What is TPD insurance?

If you're suffering from long-term injury or sickness that stops you from working, our disability cover will support you with workplace recovery and payments. It's security for you and your family knowing money is still coming in to pay the bills.

Why do I need it?
  • Support payments if you can't work because of permanent injury or illness.

  • Return to work program.

  • Standard TPD Assist cover included automatically for eligible members.

  • Costs are paid from your super, not your bank account.

  • Flexible options to get the best insurance cover for you.

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Need to make a TPD claim?

We're here to help you the whole way.

Make a claim

Our disability insurance options

Our disability cover will help with things like bills, debts and other special medical needs. Compare our options below.

Standard TPD Assist cover

Includes Standard TPD Assist and Death cover.

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No medical details needed

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Automatic or opt-in once you're eligible

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Extra insurance cover options available


What’s included
  • 6 support payments over at least 5 years

  • Rehabilitation to help you get back into work

  • One-off payment in limited situations


Maximum benefit you could be paid

Changes with age to cater to your needs through different life stages.

For example, at age 30 you may receive $250,000.


How much does it cost?

It depends on your level of cover, age and gender. It also goes up at certain ages.


How to apply

Join online for automatic cover to start once you're eligible. For earlier coverage, opt-in through Member Online if you're under 25 or have less than $6,000 balance.

Join today

Tailored TPD Assist or TPD cover

Flexible cover to suit your budget and situation.

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Choose your disability cover type and amount

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Cost of cover based on age, gender etc

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Add death and income protection for total cover


What’s included
TPD Assist
  • 6 support payments over at least 5 years

  • Rehabilitation to help you get back to work

  • One-off payment in limited situations

TPD cover
  • One-off payment to you


Maximum benefit you can apply for

TPD Assist cover: $3 million

TPD cover: $3 million


How much does it cost?

It depends on your level of cover, age, gender and other factors. It also goes up at certain ages.

Get a quote
How to apply

As a member you can apply for Tailored TPD Assist or Tailored TPD cover anytime through Member Online.

Apply online

Not a member? Join today

Get complete cover

Think about getting death insurance if you pass away and/or income protection insurance if you're too sick or injured to work for a short while. As a new member, you can apply for Income Protection within 120 days of joining.

Death coverIncome Protection cover

Need more information?

The Super Savings Insurance Guide has details of the features and benefits of insurance with us.

Download Guide
Case study

Scot shares how TPD Assist cover helped him and his family during tough times.

FAQs for TPD cover

Can’t find an answer here? Check out the Super Savings Insurance Guide or contact us on 13 11 84.

Choose the right insurance for you

Our financial advisers can help you understand the insurance options available to you and how to apply. The cost is included in your membership.

Advice options

Not a member yet? Join now

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More contact options

Fund name: Australian Retirement Trust 
Account type: Super Savings 
ABN: 60 905 115 063 
USI: 60 905 115 063 003

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Acknowledgement of Country
We want to respectfully acknowledge the Traditional Owners and Custodians of these lands, seas, and waters throughout Australia. We pay our respects to Elders both past and present. We acknowledge the history, the resilience and the continual contributions of Aboriginal and Torres Strait Islander peoples of their Country.

The information on this website contains general information only. It doesn’t consider your personal objectives, financial situation, or needs. Before making any decisions about ART, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD) to consider whether the product is right for you.