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Total & Permanent Disability claims

A Total & Permanent Disability claim is a request for your Sunsuper superannuation account balance and Total & Permanent Disability insurance cover, where you have become totally and permanently disabled.

If you don’t have Total & Permanent Disability insurance with Sunsuper, you may be able to claim your superannuation balance as a Permanent Incapacity benefit.

How is Total & Permanent Disability defined?

Total & Permanent Disability generally means that you will be unable to ever work again in any occupation for which you are suited by training, education or experience. The Total & Permanent Disability definition will depend on the insurance policy that applies to you, as set out in your Sunsuper for life, Sunsuper for life Business or Sunsuper for life Corporate Insurance guide.

Total & Permanent Disability insurance is paid as a lump sum benefit. A waiting period would apply to most claims.

How to make a Total & Permanent Disability Claim?

If you believe you may be eligible to claim a Total & Permanent Disability benefit, we are here to help you throughout the claims process. There are three major steps that you need to complete in order to submit a Total & Permanent Disability claim and they are explained in detail within the Sunsuper Insurance Claims guide - Total & Permanent Disability.