Total and Permanent Disability (TPD) claims aren’t for people who have an unbearable boss and now thinks they’re “permanently” out of action. If you’re unable to work in your usual job (or any job you’re qualified for) due to illness or injury, you might just be eligible to get some cash. Through insurance hidden in your super. Yes your super! Relax, this is just the insurance hiding in your super, not your actual super. Your balance will stay as happy as ever!

Here’s a rough eligibility checklist in human terms:

• Can’t work because your body or brain said, “Nope!”

• You’ve got superannuation a.k.a. that mysterious fund you keep forgetting the password for.

• You were working when the injury or illness kicked in or you had a valid policy.

• A doctor agrees that this is long term, not just “take two panadol and a nap".