How Much Is Your TPD Worth?
TPD Payout Calculator
Get an indicative estimate of your Total and Permanent Disability cover across every super fund you've held. Built on APRA-regulated industry-average default cover figures — not a policy lookup.
Four inputs — an indicative range across every fund
Enter your age, occupation tier, number of super funds and rough balance. The cards update live against industry-average default cover bands.
Your Details
Tell us four things — we'll produce an indicative range
TPD cover is set inside each super fund's insurance policy. These four inputs let us anchor a typical industry-average range against your age, job risk and super balance.
Default TPD cover typically peaks between 35 and 44. Most funds taper cover to zero by 65–70.
Count every fund you've had — including old ones you think are closed. Many still carry lapsed default cover.
Occupation tier
Used to scale the estimate. Low balances often mean lapsed or minimum cover; higher balances often mean voluntary top-ups.
Per fund · Indicative cover
Typical default TPD cover for age band 35-44 in a Professional / Office role.
Stacked across all funds
If each of your 1 fund carries default cover at typical levels. Not every fund will pay — some have mutually exclusive provisions.
Net of claim costs (approx.)
Rough figure after typical combined legal and insurer-side admin costs. Our TPD claims are no-win, no-fee — you don't pay unless we recover.
Applies a 15% haircut to the stacked range.
Indicative estimate only.Actual TPD cover is set by your super fund's insurance policy wording — not by this calculator. Some funds use “Any Occupation” definitions, others use “Own Occupation”; offsets, waiting periods and exclusions also vary. Our lawyers pull every fund you've held, read the policies, and work out your real figure before any claim is lodged.
Three things most Australians don't realise about their TPD
Total and Permanent Disability cover sits inside almost every super fund by default — most workers have it without ever having asked for it. Here's the plain-English version.
Insurance inside your super
TPD is an insurance policy held inside your super fund. The premiums come out of your balance automatically, and the cover is almost always set at a default level that scales with your age. You can also hold voluntary top-ups on top of the default. It is not Medicare, not WorkCover, not Centrelink — it's private insurance that quietly sits inside your fund.
Talk to our teamPaid as a lump sum
Unlike WorkCover — which pays weekly for a statutory window — a TPD claim pays one lump sum when the insurer accepts that you're totally and permanently disabled. The cover sits dormant until the claim succeeds; the payout lands in your super fund and you then access it under disability-release rules.
See TPD vs WorkCoverYou can claim across multiple funds
If you've had more than one super fund during your working life — most of us have — you may be able to claim TPD against several of them at once. Each fund's policy is assessed separately. Some pay in full, some have mutually exclusive provisions, some have lapsed. Our lawyers pull every fund and review each policy before claims are lodged.
Start a claim review“Any Occupation” vs “Own Occupation”
The disability definition inside your policy is the single biggest factor in whether a TPD claim succeeds. Two policies at the same fund with the same sum insured can produce very different outcomes.
Any Occupation
The stricter test
You have to be unable to work in any role you're reasonably suited to by education, training or experience — not just the job you were doing when you got injured.
- • Most default super-fund TPD sits here
- • Typical in industry-fund policies
- • Harder threshold to clear
- • Evidence-heavy medical assessments
Own Occupation
The easier test
You only need to be unable to perform your specific pre-injury occupation. Other work capacity doesn't defeat the claim.
- • Typically a voluntary top-up
- • Common in adviser-placed retail policies
- • Lower threshold to satisfy
- • Premiums are higher
Which definition applies to you is on page one of your insurance policy booklet — but the interpretation is where claims are won and lost. We read the wording before any claim is lodged.
A TPD calculator can't give you a precise number
The real payout depends on the policy wording inside each fund — exclusions, offsets, waiting periods and the disability definition. What we can do is anchor an honest industry-average range, then work out your exact figure together.
We pull every fund
Through your ATO records and direct contact with each super trustee, our team identifies every super fund you've held — including dormant and paid-up accounts — and confirms what cover, if any, is still in force.
Start a fund reviewWe read the policy
Any vs Own Occupation, offset clauses, waiting periods, mental-health carve-outs, age tapering — every clause that affects what you can claim. We surface anything that will reduce the payout before you lodge.
See how it worksWe work out the real figure
From there we can give you an exact range per fund and a stacked total — not an industry average, not an estimate. You see the figure before any claim is lodged, and we sequence the claims so offsets don't eat the result.
Talk to our teamWhat workers ask us about TPD
Eight questions that come up in almost every TPD consult. Short answers here — detail on request.
Want your exact cover reviewed across every fund? Speak to our team →
Important
This calculator provides an indicative estimate only. Actual TPD cover is set by your super fund's insurance policy wording — including the disability definition, offsets, waiting periods and exclusions. WorkCover Hub assists with TPD claim lodgement and disputes; we do not provide financial product advice. Our lawyers review your policies and work out your exact cover before any claim is lodged.
Next steps
Read the full TPD claims guide
The complete plain-English guide — default cover, stacking, Any-Occ vs Own-Occ, disputes and how TPD fits with WorkCover and CTP.
Read moreContinueGet TPD claim assistance from our team
Free assessment across multiple super funds. We pull every policy, coordinate stacking and run AFCA disputes. No-win, no-fee.
Read moreContinueCan I claim TPD and WorkCover?
Yes — in most cases. How the two schemes run side by side, and why offset clauses make sequencing the claims matter.
Read moreContinueHow many super funds can I claim from?
Stacking explained — how multi-fund TPD claims actually work, when they succeed, and the mutually-exclusive clauses to watch for.
Read moreGet an exact figure from our team
We pull every super fund you've held, read the policy wording on each one, and produce a real cover figure before any claim is lodged. Our TPD claims are no-win, no-fee — you don't pay unless we recover.
Book a WorkCover Doctor