Death and Total & Permanent Disability (TPD) cover
Life doesn't always go to plan. Death and TPD cover can offer you and your loved ones financial protection if something goes wrong.
Death cover provides your dependants or legal personal representative a lump-sum payment when you die.
TPD cover provides you with a lump-sum payment if you become seriously disabled and are unable to ever work again.
When you join MTAA Super, you automatically receive default Death and Total and Permanent Disability (TPD) cover when you are aged 25 or over and have at least $6,000 in your account, subject to eligibility. The default cover you receive is based on your age and is subject to terms and conditions.
You may be able to start your default cover earlier by choosing at any time to opt-in to default cover. Conditions apply and are detailed in the Insurance Guide.
The amount of cover you receive is based on your age when you become a member. This is outlined in the table below.
Default cover amount and cost
Your age next birthday
Default Death cover
Default TPD cover
Cost of cover (per week)
You should consider if this cover is appropriate for you as fees will be deducted and will affect your retirement benefit.
Flexible cover options
Everyone’s cover needs are different. You’re not locked into our default Death and TPD cover. Our insurance options are flexible to suit your work and lifestyle.
Eligible new members can apply to increase Death and TPD cover without the need to provide health evidence
Eligible members can apply to increase existing Death and TPD cover without providing health evidence when certain life events occur, such as marriage, divorce, having a child and buying a home
Choose between unitised or fixed Death and TPD cover (for details see our Insurance Guide)
Adjust your cover based on the type of work you do — General, Non-manual, or Professional (see works scales in our Insurance Guide)
If you are diagnosed with a terminal medical condition you may be paid the higher of any Death or TPD cover in place at the date of diagnosis.
Insurance guides and fact sheets
Understanding your insurance is an important part of getting the most out of your super.
Insurance cover is provided under the terms and conditions of the Member Product Disclosure Statement and Insurance Guide. An overview of this information is also provided in the Your Insurance with MTAA Super fact sheet.
You should read these documents before making any decisions about your insurance.