Total and Permanent Disablement (TPD)

When is a Death or TPD Insurance Benefit Payable?

A death insured benefit is payable if you die whilst insured through Catholic Super. A death benefit is generally paid to your estate. For this purpose, it is important you have a current will.

To provide greater security about who will receive your benefit if you die, you can make a nomination which binds the trustee to pay your death benefit to a specified person(s) providing that you are still a member of Catholic Super on your death. For more details you can download the Binding Death Benefit Nomination form.

A TPD benefit is payable if you are insured for TPD cover at the time you become disabled, and you meet the definition of Total and Permanent Disablement in the insurance contract that is current at the time of your disablement.

In this situation you are entitled to claim the balance in your Catholic Super account and any insured TPD benefit to which you are entitled. The tax payable on TPD benefits varies according to your age, length of service and the amount of benefit. Catholic Super will provide an outline of such tax payable should you become entitled to a TPD benefit.

What is the Definition of Total and Permanent Disablement (TPD)?

TPD insurance cover provides a benefit if you become totally and permanently disabled, as defined in the Catholic Super Trust Deed and Insurance Policy, whilst you are:

1. a Catholic Super member and
2. insured for TPD cover

at the time your disablement occurs.

TPD insurance cover is not available if you are aged 65 or more. If you become disabled and believe that you may be eligible to make a claim for TPD, you should notify us as soon as possible.

More Information

More information about the Insurance options available can be found in the Product Disclosure Statement or you can contact the Fund.