Making a total and permanent disablement (TPD) claim

TPD insurance cover can provide a lump sum payment – a TPD benefit – if you become permanently disabled because of injury or illness and you’re no longer able to work. Your claim for a TPD benefit will be assessed by our insurer, in line with the policy terms and conditions, to see if a benefit is payable.

You may be eligible to make a TPD claim if:

• you’re unlikely to work again in any occupation that you’re suited to by your education, training or experience, or
• you’re unable to carry out certain everyday working activities, or
• you meet one or more of the immediate assessment conditions, subject to claim requirements being satisfied.

If your claim is approved, the amount payable to you will be the TPD insurance cover you held through your Equip Super account as at the date of your disablement. The TPD benefit will be paid into your super account and will form part of your total account balance.

You may be eligible to claim permanent incapacity, which allows for the early release of your super account balance.

To be eligible, two legally qualified medical practitioners must first certify that, due to your illness or injury you’re unlikely to ever return to work in any occupation for which you are reasonably qualified by your education, training or experience.

Once we receive this certification the Trustee of Equip Super will review your claim in line with the early release provisions set out in superannuation law, and the Equip Super Trust Deed.

You can find more information about Making a TPD benefit claim handbook.

Jason, 49, has spent most of his career working as a heavy machine operator. He stopped working after suffering a stroke and has now been off work for nine months.

Since the stroke, Jason has experienced ongoing symptoms including fatigue, reduced dexterity, weakness in his limbs, and difficulties with communication and coordination. These limitations have significantly affected his ability to safely perform his role.

Jason has been under the ongoing care of his specialist and GP. At his most recent review, his specialist confirmed that he has reached maximum medical improvement. His symptoms are now considered permanent and will require ongoing management.  

Does Jason meet the TPD definition? 

Jason’s role as a heavy machine operator is physically demanding and involves operating heavy, potentially dangerous machinery in what can be unpredictable environments. There are limited alternative duties within his role that are less physical. Due to his ongoing symptoms and permanent limitations, Jason is unable to safely return his occupation or a similar role.

Jason meets Part 1 of the TPD definition. He has been absent from work for more than three consecutive months and is unlikely to ever return to a job suited to his education, training or experience. He’ll be unable to undertake any retraining or re-skilling in the future based on the advice and treatment of his doctors.

^{For more information, visit equipsuper.com.au/claims or contact us.}

^{The sample case studies are provided for illustrative purposes only and are not representative of a member’s actual experience in Equip Super or any other fund. The benefits that a member may receive will depend on the individual and specific circumstances that comprise a member’s claim.}

^{Insurer is MetLife Insurance Limited (ABN 75 004 274 882 AFSL 238096). Please refer to the Insurance in your super guide for more information available at equipsuper.com.au}