Disablement Insurance

Total and Permanent Disablement Insurance (Triple S)

Peace of mind for you and your family.

Most Triple S members will automatically be provided with three units1 of Standard Death and Total & Permanent Disablement (TPD) Insurance until age 70. 2

As a member you also have the option of applying for fixed benefit insurance which is an alternative type of cover which can provide a fixed level of cover until age 70. For more information on this type of cover please refer to the Triple S Death and TPD & Death Only Insurance fact sheet.

A lump sum entitlement may be payable:

  • If you are incapacitated for all types of work, and it’s unlikely at any future time you will engage in gainful employment for which you are reasonably qualified by education, training or experience3, or
  • If you have a terminal illness4

Your current cover is available online via the member portal.  Alternatively, you can find your insurance cover details in your annual statement. 

You can also use the Insurance Calculator for a quote if you're thinking about changing or increasing your level of cover. 

If you receive a Terminal Illness entitlement, you will not be entitled to any further insurance cover through a Super SA product, including Death, TPD and Income Protection Insurance. To be eligible, you must satisfy the Super SA Board that you have an illness or condition that is likely, in the opinion of two medical practitioners (one being a specialist in the relevant field), to result in your death within 24 months of the day on which the opinion is given.


  • Triple S spouse members are not provided automatically provided with any insurance but can apply for Death Only insurance. For further information about Death Only Insurance cover offered to spouse members please refer to the Spouse accounts section on the Death Insurance page.

  • You can:

    • apply for additional Standard units of cover, or Fixed Benefit Insurance units
    • Elect to have fewer Standard units of cover, or Fixed Benefit Insurance units, or
    • Cancel your cover. 1,5

    However, the maximum value of Death and TPD Insurance you can have is $1,500,000 for full-time or part-time employees, or $750,000 for casual employees.

    When applying for additional insurance, you’ll need to complete a personal statement about your health. Limitations may be applied to your cover for any pre-existing medical conditions or if you are a smoker.

  • Standard Death and TPD Insurance units cost $1 per unit, per week.

    The value of each standard unit starts decreasing once you reach age 35.

  • The cost of a Fixed Benefit unit is based on your age and the premiums will increase as you get older. Please refer to the relevant table in the Triple S Death and TPD & Death Only Insurance fact sheet for more information on this type of cover.

    The value of each Fixed Benefit unit will not decrease in value with age. Once you fix your level of cover it remains the same until you advise us you want to change it, or you reach age 70.

  • No, Death and TPD is a combined cover, this means it’s not possible to elect to have TPD only insurance.

1 Members of Triple S who are employed as SA Police Officers, SA Ambulance Operational staff (excluding SA Ambulance Operational staff employed on a casual basis) and SA Ambulance staff under age 60, who were contributory members to the SA Ambulance Service Superannuation Scheme before electing to transfer to Triple S, automatically receive six units and cannot decrease or cancel these units until age 65.
2 Members who have been working for less than six months cannot claim for a condition that existed at the time they commenced work.
3 Or for which the insured could be expected to become reasonably qualified following appropriate training or rehabilitation.
4 If you have been diagnosed with a terminal illness, you can receive your TPD entitlement without having to terminate your employment.
5 Keep in mind that if you decrease or cancel your Triple S insurance and you apply to increase your level of cover in the future, you will be required to provide information about your health, and limitations may be applied to your cover for any pre-existing medical conditions.
The superannuation schemes administered by Super SA are exempt public sector superannuation schemes and are not regulated by the Australian Securities and Investments Commission (ASIC) or the Australian Prudential Regulation Authority (APRA). Super SA is not required to hold an Australian Financial Services Licence to provide general advice about a Super SA product. The information in this publication is of a general nature only and has been prepared without taking into account your objectives, financial situation, or needs. Super SA recommends that before making any decisions about its products you consider the appropriateness of this information in the context of your own objectives, financial situation, and needs, read the Product Disclosure Statement (PDS), and seek financial advice from a licensed financial adviser in relation to your financial position and requirements.