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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 and are unlikely to ever work again.
  • Can be purchased on its own or combined with Life Care
  • For specific illnesses, claims will be considered from day one rather than the usual three months

Also includes:

  • Death Benefit – pays $10,000 if you have a stand-alone TPD Cover policy with no other TPD Cover benefit payable on your death
  • Severe Hardship Booster benefit – pays a higher TPD Cover benefit if you suffer specific conditions
  • Accommodation benefit – covers accommodation cost to keep a family member near you if you’re confined to a bed away from home
  • Financial Planning benefit – covers the cost of financial planning following a TPD claim payment
  • Interim Accident cover – for accidents while we’re processing your application
  • Loyalty Bonus benefit – a five per cent higher TPD benefit after you’ve had a policy for five years
  • Indexed benefit – increases cover each year in line with inflation
  • TPD Cover for homemakers – cover for stay-at-home parents


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 (AEST) business days

Make an appointment

Related products


Trauma insurance helps cover the medical costs and lessen the severe lifestyle changes that result from any of 48 major illnesses or injuries, including heart attack and stroke.

Learn more

Income protection

Our income protection policies can replace up to 75 per cent of your regular income and superannuation contributions if you're unable to work due to illness or injury.

Learn more

Life Care

Provides your beneficiaries with a lump-sum payment in the event of your death or on diagnosis of a terminal illness with less than 12 months to live.

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.

Income Protection, LifeBusiness OverheadsTotal and Permanent Disability (TPD) and Trauma 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 Mutual Superannuation Pty Ltd 56 006 831 983 AFSL 235025, the Trustee of the Colonial Super Retirement Fund ABN 40 328 908 469 (the Fund). CMLA is responsible for the administration of the fund 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.