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.
How does insurance within spouse accounts work?
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.
Can I change my level of Death and TPD Insurance cover?
- 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. 5,6
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.
How much does Standard Death and TPD Insurance cost?
The cost of the first three standard units of cover is $0.75 per unit, per week. Additional units cost $1 per unit, per week.7
The value of each standard unit starts decreasing once you reach age 35.
How much does Fixed Benefit Death and TPD Insurance cost?
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.
Can I only have TPD insurance cover only?
No, Death and TPD is a combined cover, this means it’s not possible to elect to have TPD only insurance.
2Members 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 Members of Triple S who are employed as SA Police Officers, SA Ambulance Operational staff and SA Ambulance staff who transferred into Triple S from the SA Ambulance Service Superannuation Scheme as a contributory member before age 60, automatically receive six units and cannot decrease or cancel these units until age 65.
6 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.
7 Members of Triple S who are employed as SA Police Officers, SA Ambulance Operational staff and SA Ambulance staff who transferred into Triple S from the SA Ambulance Service Superannuation Scheme as a contributory member before age 60, automatically receive six units of Standard Death and Total & Permanent Disablement (TPD) Insurance and cannot decrease or cancel these units until age 65. The first six prescribed units cost $0.75 per unit per week. Additional units cost $1.00 per unit per week.