How does life and TPD insurance work?

Life (Death) cover insurance provides financial support for your family and other dependents if you die or you’re diagnosed with a terminal illness. TPD insurance provides financial support to you if you suffer a total and permanent disability. Only “any occupation” life and TPD cover is provided via super. Cover ends at age 70.

Provided you meet the eligibility conditions for cover, when you join Superhero Super you can choose to receive default death and total and permanent disablement cover without any medical underwriting. Your default cover will be for New Events only (see below) for the first 24 months. If you are not At Work continuously for 60 consecutive days at the end of the 24-month period then New Events cover will continue until you have been At Work for 60 consecutive days. The amount of default cover provided will depend on your age.

For more information please refer to the Superhero Super Insurance Guide or the Superhero MySuper Insurance Guide if you are a member of Superhero Super’s Employer Default option.