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About Total and Permanent Disability insurance

How it works

  • TPD Cover pays a lump sum if you’re totally and permanently disabled
  • Partial and Permanent Disability – a part payment of the TPD Cover benefit if you’re partially and permanently disabled (not available under a super policy)
  • Can be purchased on its own (except for Total Care Plan Super) or combined with Life Care
  • For specific illnesses and conditions, claims will be considered from day one rather than the usual three months

Also includes:

  • Death Benefit – under a stand-alone TPD policy, we pay a $10,000 lump sum if you die
  • Severe Hardship Booster benefit – pays a higher TPD Cover benefit if you suffer specific conditions due to an accident
  • Accommodation benefit – helps cover the accommodation costs of an immediate family member who needs to stay nearby if you are terminally ill and confined to bed a long way from home
  • Financial Planning benefit – pays up to $5,000 to help cover the costs of financial advice
  • Interim Accident cover – for accidents once your completed application is held by CommInsure
  • Loyalty Bonus benefit – once cover is held for five years, we automatically increase payments of the Life Care or Terminal Illness benefit by 5%
  • TPD Cover for homemakers – cover for stay-at-home parents who are engaged in full time domestic duties
  • Automatic indexation – automatically increases the TPD Cover each year to help keep pace with inflation
  • Continuation option – lets you continue TPD Cover outside super without providing further health evidence
  • Option to convert – if you have a stand-alone TPD policy, Life Care can be obtained under another policy without providing further health evidence


Learn more

Customise your insurance

Talk to your financial planner to ensure your insurance meets all your needs and discuss customising your insurance to suit you.

If you don’t have a financial planner, you can talk to one of ours.

  • Make an appointment for a complimentary, no-obligation meeting with a professional financial planner
  • Call 1300 131 103, 8am to 7pm (Sydney time) business days


Make an appointment

Related products


This cover pays a lump sum if you’re diagnosed with any one of our defined trauma conditions such as cancer, heart attack or stroke.

Learn more

Income protection

Income protection generally pays up to 75% of your income when you’re unable to perform all or part of your occupation due to sickness or injury. It can also pay up to 100% of your super to your nominated fund.

Learn more

Life Care

This cover provides a lump sum payment to your beneficiaries in the event of your death or terminal illness. 

Learn more

Important information

Please refer to the relevant Product Disclosure Statement for full details of these benefits and when they are payable.
This advice (including the statements on taxation which are based on present taxation laws, rulings and their interpretation) has been prepared without considering your objectives, financial situation or needs. Before acting on it, consider its appropriateness to your circumstances. You should seek advice from your taxation adviser in relation to taxation matters.
 LifeTotal and Permanent Disability (TPD)Trauma Cover, Income Protection, and Business Overheads form part of CommInsure Protection. CommInsure Protection is issued by The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA) and Colonial First State Investments Limited ABN 98 002 348 352 AFSL 232468 (CFSIL), the Trustee of the Colonial First State FirstChoice Superannuation Trust (FirstChoice Trust) ABN 26 458 298 557. CMLA is responsible for the administration Total Care Plan Super and provides insurance benefits to the fund as insurer. CMLA and the Trustee are wholly owned subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124. Commonwealth Bank of Australia does not guarantee the obligations or performance of CMLA or the Trustee or the products they offer.
 A Product Disclosure Statement (PDS) describing CommInsure Protection is available online, from your Commonwealth Financial Planner or by calling 13 10 56 (from overseas, call +61 13 10 56) and should be considered in making any decision about these products.
 Commonwealth Financial Planners are representatives or authorised representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169 AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.

CMLA has entered into a Joint Cooperation Agreement with AIA Australia Limited (AIA) and Commonwealth Bank of Australia (CBA) for the joint operation of the CMLA and AIA businesses. AIA is part of the AIA Group, the largest publicly listed life insurance group in the Asia Pacific region with a presence in 18 markets. Whilst CBA will remain the ultimate shareholder of CMLA, under the terms of the Joint Cooperation Agreement AIA will have an appropriate level of direct management and oversight of the CMLA business.

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As part of operationalising the Joint Cooperation Agreement, CMLA has adopted the AIA Australia Group Privacy Policy.