Death and disability cover

Death and Total and Permanent Disablement (TPD) cover offers you and your family protection against financial hardship if you are permanently disabled due to illness or injury or die.

How does Death and TPD cover work?

If you suffer total and permanent disability or die you or your beneficiaries will get a lump-sum insurance benefit on top of the amount of money you have in your LGIAsuper account at the time a claim is made and accepted.

A Death (includes terminal illness) or TPD benefit is only paid once and the amount payable on TPD can’t be more than your Death benefit.

What can I do with this cover?

With LGIAsuper’s Death and TPD cover you can:

  • have your sum insured automatically recalculated in line with your age and salary increases each 1 July if you work more than 14.5 hours each week (and subject to other conditions) and are employed by Queensland local government (including entities, water businesses and associated employers)
  • fix your insurance cover at a specified level
  • opt into even lower premiums if you work in a low risk or professional occupation
  • be automatically covered for Terminal Illness as part of your Death cover
  • choose to have Death only cover
  • increase, reduce or cancel your cover

When does this cover end?

Your Death and TPD cover continues until your 65th birthday so you can enjoy peace of mind knowing your cover continues from year to year and as you move from one job to another (as long as you remain an LGIAsuper member). There are some circumstances where your insurance may end before your 65th birthday. For full details read our Insurance guide.

Where can I get more information?

The amount and type of Death and TPD cover you automatically receive depends on a number of factors including how you are employed, your age and how you joined LGIAsuper. For more detailed information read our Insurance guide or check out the Insurance section on our FAQs page.

If you have an LGIAsuper Defined Benefit account, your insurance cover is different. For details on the benefits you receive read the relevant Defined Benefit guide on our PDSs and guides page.

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Do you have enough insurance cover?

Our Insurance needs calculator will help you work out how much death, TPD and Income Protection you need.

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Control who inherits your super

Tell us where you want your super death benefit to go when you die by nominating a beneficiary.

Learn more