Death and Total & Permanent Disablement

We all may like to think we're invincible, but it's important to have a plan in place just in case the worst does happen. That's why we have insurance options designed to offer financial assistance at a time when you or your family may need it most.

Death and Total & Permanent Disablement (TPD) cover

In the unfortunate event of your death or total and permanent disablement, your insurance cover means that you, your dependant(s) and/or your legal personal representative could receive a lump sum insurance payment in addition to your super account balance.

Depending on the product you have, you may be eligible for a minimum age-based level of Death and TPD cover. You can choose to cancel this cover, click the link below for details. You may also be able to apply for top-up cover up to $5 million total TPD cover and unlimited Death cover.

If you are under 25 years of age or have an account balance that is less than $6,000 you must opt in within 120 days to receive member paid insurance cover subject to 'At Work' requirements. If you opt in outside of 120 days you will need to answer risk control questions.

Find out more about changing your insurance cover

You may also be able to apply for additional Death only and Death and TPD insurance cover without supplying medical evidence upon the occurrence of a specified Life Event (e.g. marriage, birth of a child, taking out or increasing a mortgage) and/or transfer of any externally held Death only or Death and TPD insurance to TelstraSuper and have it matched at our competitive group rates – see Life events for details. 

Death and TPD cover is available to:

  • Corporate Plus members (people who work for Telstra or related employers)
  • Personal Plus members (people who have left Telstra or are related to a Telstra or former Telstra employee)
  • Division 5 Defined Benefit members
  • Division 2 Defined Benefit members 
  • RetireAccess members (people who are receiving an income stream payment) – Death cover only
  • Sensis Super Plus - Defined Benefit members 

Further eligibility criteria and terms and conditions may apply. For more information on Income Protection read the relevant PDS or Insurance Guide.

Terminal illness

If you have death cover, in the unfortunate circumstance you are diagnosed with a terminal illness you can apply to be paid a terminal illness benefit. You don't have to have stopped working to qualify for this benefit. This is the early payment of your death benefit.

This information is general advice only and does not take into account your individual objectives, financial situation or needs. Before acting on any advice you should assess whether it is appropriate for you and consider talking to a financial adviser. Before making any decision or acquiring any product you should obtain and review its product disclosure statement by calling 1300 033 166 or on this website.

We're here to help

At TelstraSuper we're here to help you build a secure financial future. TelstraSuper Financial Planning that has a team of phone based Advisers who can help you work out how much insurance you need.  If you’d like to discuss your insurance or if you have any other financial advice queries contact us on 1300 033 166 or fill in our online contact form.  There's no additional charge for our phone based service as this is included in your TelstraSuper membership. 

Online contact form