How to Check if You Have TPD in Your Super and What Support May Be Available

Who should consider checking their super?

It may be worth looking more closely if:

• you have stopped working due to illness or injury
• you are unsure what insurance sits inside your super
• you have changed jobs a number of times
• you think you may have old or forgotten super accounts
• you want to know whether there may be a TPD, life insurance or income protection option worth exploring

A useful rule of thumb is this: if you were over 25, had more than $6,000 in super, and were receiving employer contributions, it may be worth checking whether your fund included insurance cover.

Why lost or forgotten super matters

Old super accounts can be easy to miss. If you have worked for different employers over the years, you may have more than one account, and some of those older accounts may still matter when reviewing your position. The ATO says you can use online services to keep track of your super, including ATO-held super, and it also explains how to consolidate multiple accounts.

That is important because your current fund is not always the only place to look.

ClaimSure's process

At ClaimSure, we keep the process simple and practical.

1. Complete the form

Start with a quick Free Claim Check and tell us a little about your situation.

2. We call to confirm your circumstances

We speak with you to better understand your health, work history and what kind of support you may need.

3. We help identify your super accounts

We help review your current super and any lost or forgotten accounts that may be relevant.

4. We review your potential entitlements and next steps

We look at whether there may be a life insurance claim, TPD claim, income protection option or early access to super pathway worth exploring, and then explain the next step in plain English.

What ClaimSure can help you review

Depending on your situation, a review may involve:

• TPD claims through super
• life insurance claims
• income protection claims
• terminal illness-related insurance support
• lost or forgotten super account checks
• early access to super options in limited circumstances

Early access to super: important to understand properly

Early access to super is not available just because someone is under financial pressure. The ATO says you can only access super early in very limited circumstances, including situations involving compassionate grounds, terminal illness, incapacity and severe financial hardship, and different categories have their own eligibility criteria and evidence requirements.

That is why it is important to approach this carefully and use wording like:

• check your eligibility
• review your options
• understand the next step

Why a proper review matters

When people are unwell or out of work, they often do not have the time or energy to chase multiple super funds, read policy terms, or work out whether an old account still matters. A structured review helps bring all of that into one place.

Instead of guessing, you can:

• identify where your super sits
• check whether insurance may exist
• understand what type of cover may apply
• see whether any support pathway may be worth pursuing

Start with a Free Claim Check!

If you have stopped working due to illness or injury, the best first step is to check where you stand.

A Free Claim Check can help you:

• review your situation
• identify relevant super accounts
• understand whether there may be insurance through super
• see whether there may be a life insurance or early super option worth exploring

Start your Free Claim Check today and find out what support may be available.