Total & Permanent Disability (TPD) insurance cover

Both TPD and income protection insurance can help if you're unable to work, but they’re used for different situations.

TPD or TPD Assist cover:

• Makes payments if you become totally and permanently disabled.
• Used for long-term, severe disabilities that stop you from ever working again.
• Can be used for anything – medical costs, pay off debts, or future living expenses.
• If eligible, you'll get Standard Death and TPD Assist cover upon joining.

Income Protection cover:

• Provides regular payments if you're temporarily unable to work.
• Kicks in for shorter-term illnesses or injuries.
• Helps replace your income while you're recovering and can't work.
• If you have Standard cover, you can opt-in for IP cover at a lower cost within 120 days of joining. Or you can apply for Tailored IP at any time.

It's worth checking your account to see what insurance you've got. And you can easily make changes to your cover to suit your needs.

We've partnered with AIA Australia to give you more financial security through life's ups and downs. With 50 years of experience, AIA Australia's innovative insurance solutions aim to protect your future.

If you're travelling or working overseas your disability cover will continue. But if you become disabled while overseas and make a claim, you may be asked to come back to Australia for a review of your claim, at your own cost.

TPD cover is designed for situations where you can't work in any job you're reasonably suited for, based on your education, training, or experience.

If you can work part-time or in a different job, you might not be eligible for a claim.

Every situation is unique, so contact us if you're unsure. We're here to help you understand your cover and guide you through the process if you need to make a claim.

Yes. Your TPD cover typically continues when you change jobs as its linked to your ART super account, not your job.

There’s a few things you can do to maintain coverage.

• Keep your account active: Inform your new employer to pay your super into your ART account. If you're self-employed or between jobs, consider making personal contributions.
• Watch out for low balances: Keep your account balance above $6,000 and ensure contributions are made at least once every 12 months so your insurance isn’t cancelled.
• Review your cover: A new job might mean a change in income or situation. It's a good idea to check if your current level of cover still fits your needs.

Changing jobs is a good time to review your super and insurance setup. Log into your ART account.

TPD cover is designed to protect you during your working years.

Your TPD cover typically ends when you turn 67, which lines up with Australia's Age Pension age. This is also because most people are thinking or ready to retire by this age.

What happens at 67? Your TPD cover will automatically stop. You don't need to do anything - we'll take care of it for you.

Before you hit 67: Your cover continues as long as you’re eligible. This includes having enough money in your account to cover insurance premiums.

A TPD claim could affect your long-term super balance in the following ways:

• Early release of super: A successful TPD claim might allow you to access your super early. This is separate from your insurance payout and depends on your specific situation.
• Future contributions: If you're unable to work after a TPD claim, you might not be making regular contributions to your super anymore.

If this is the case, you might want to review how your remaining super is invested after a TPD claim. Get in touch if you have questions about your options.