The collapse of the Shield Master Fund and First Guardian Fund have been a sobering reminder for many about how careful people need to be when considering where they should invest their superannuation and what can go wrong.
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Whether you have become an amputee due to an injury or an illness, if you’re unable to work as a result of that amputation you may have a right to claim TPD or income protection benefits which you hold in your superannuation account or you have purchased directly from an insurer.
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If you’ve had to stop work due to injury or illness and have an accepted income protection claim, the question of whether contributions will be made into your superannuation account on top of your income protection payments is answered by the terms of the insurance policy which you are paid by.
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If you’re suffering from a repetitive strain injury (RSI) such as carpal tunnel syndrome, tennis elbow, or tendinitis, you may be eligible to claim on your TPD insurance or income protection insurance.
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From 1 July 2026, employers will be required to pay your superannuation contributions at the same time they pay your wages. This is the new “Payday Super” system. This replaces the current system where super can be paid as infrequently as once per quarter.
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Although there are similarities in TPD definitions across funds, there are also differences that can impact whether your insurance benefits will be paid. One common definition is called an ‘own occupation’ TPD definition. These TPD insurance policies enable you to claim if you cease work and are permanently unable to return to your own occupation.
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