Total and permanent disablement insurance

Total and Permanent Disablement (TPD) insurance provides a lump sum payment if you fall ill or are injured and can’t work again. This money helps you pay off debt, cover medical and rehabilitation costs, establish an income stream and modify your lifestyle to accommodate your disability.

You can have Total and Permanent Disablement insurance through Mine Wealth + Wellbeing. Eligible employer-sponsored members automatically receive Basic Total and Permanent Disablement insurance upon joining, but if this isn’t enough for you or you’re not eligible, you can apply for Voluntary Total and Permanent Disablement insurance.


*Australian Bureau of Statistics. Disability, Ageing and Carers, Australia: Summary of findings – 4430.0.2012


Claiming on your total and permanent disability insurance

Unfortunately, too many people miss out on claiming on their Total and Permanent Disablement insurance because they either don’t know they have it (since it's often automatically provided to them through their super fund) or they don’t know they’re eligible to claim.

You can make a claim on your Total and Permanent Disablement insurance even if you:
  • receive workers compensation payments
  • become injured or fall ill outside of work
  • are already claiming income protection benefits.

If you’re injured or sick and this stopped you from working, make sure you give us a call on 13 MINE (13 64 63) to see if you meet the Total and Permanent Disablement definition.