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    How does TPD insurance work? 

    • Injury or sickness permanently prevents you from working

      TPD insurance can provide a lump sum payment if you become permanently disabled or too sick to ever work again. 

    • Approved claims receive a lump sum

      The payment can be used to help with rehabilitation costs, debts and future living expenses.

    • Lump sum is paid in addition to super

      If you're eligible and a claim is approved, the benefit can be paid in addition to your super account balance. 

    Who may be eligible for TPD insurance in super?

    Eligibility

    • TPD cover is generally available to AMP Super members, although eligibility varies depending on your plan. Check your insurance guide. 
    • Cover for TPD is generally only available together with death cover.
    • To receive a benefit, you must meet the policy definition of Total and Permanent Disablement. Different TPD definitions may apply depending on your employment status and policy terms. 
    • You may not be eligible for a benefit if your disablement is caused by certain exclusions set out in your policy. Check your insurance guide.

    Qualifying period

    • A qualifying period generally applies before a TPD benefit can be paid. Check your insurance guide. 
    • During this period, you may be required to seek and follow appropriate medical treatment. 
    • In some circumstances, the qualifying period may be waived depending on your policy and the nature of your illness or injury. 

    How to make a TPD claim

    Claims are assessed based on your policy terms. For full details, check your insurance guide. 

    Make a claim

    Generally, a claim may be paid when:

    • You become totally and permanently disabled under the definition that applies to your cover 
    • Any applicable qualifying period has been met 
    • The insurer accepts your claim 
    • Any relevant superannuation release requirements have been satisfied

    Generally, a claim may be paid when:

    • You become totally and permanently disabled under the definition that applies to your cover 
    • Any applicable qualifying period has been met 
    • The insurer accepts your claim 
    • Any relevant superannuation release requirements have been satisfied

    Example of working out a TPD payment 

    Mark’s 49 years old and worked in a book shop for eight hours a week, until he hit his head in a car accident and now suffers recurring head and neck pain.

    Although he can still live independently and do everyday activities such as feeding and dressing himself, he has trouble concentrating. Mark has been doing rehabilitation but will never be able to perform key parts of his job (or another job) again, such as re-stocking shelves, and standing for long periods. He also must make some changes to his home to allow for his injury.

    Mark’s claim is successful because the insurer determines that he’s unlikely to be able to work again and a lump sum benefit is paid into his super account.

    This example is illustrative only and is not intended to reflect or advise on the prospects of success of any similar claim. Careful consideration should be given to relevant personal circumstances and applicable factual circumstances when considering the prospects of success of a claim.

    Need help with insurance?

    Not sure what cover you have or whether it's right for you? Speak with a super coach to better understand your options and learn more about your insurance through AMP Super.
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    Frequently asked questions

    TPD insurance can provide a lump sum payment if you become permanently disabled or too sick to ever work again, and meet the policy requirements. The TPD insurance amount can be paid in addition to your super account balance.

    A qualifying period may apply before a TPD benefit can be paid. The requirements depend on your cover and circumstances.

    If your claim is accepted, you'll generally receive a lump sum payment.

    Eligibility depends on your AMP Super plan. Generally, TPD cover is available to eligible members and is usually only available together with death cover. Check your insurance guide. 

    No. Generally, TPD cover is  only available with death cover. 

    If you have more than one super account, you may already have TPD cover. Generally, if you meet the relevant TPD definitions you can be paid out a TPD benefit from more than one policy. Check your insurance documents for more information. 

    Important information

    Products in the AMP Super Fund and the Wealth Personal Superannuation and Pension Fund are issued by N.M. Superannuation Proprietary Limited (N.M. Super) ABN 31 008 428 322 (trustee), which is part of the AMP group. 

    This information is provided by AWM Services Pty Ltd ABN 15 139 353 496, AFSL No. 366121 (AWM Services) and is general in nature only. It hasn’t taken your financial or personal circumstances into account. It’s important to consider your personal circumstances and read the relevant PDS or TMD available from AMP at AMP – Banking, home loans, super and retirement or by calling 131 267, before deciding what’s right for you.  

    The super coach session is a super health check and is provided by AWM Services. It is general advice conversation only. It does not consider your personal circumstances. 

    You can read our Financial Services Guide online for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services

    Information current as at September 2026.