Most employment superannuation funds include lump sums for total and permanent disability (TPD). Some workers are also covered for insurance lump sums paid for by their employer.

Superannuation funds have their own specific requirements, with some funds not requiring medical or disability information whereas other funds may require disclosure of existing or pre-existing conditions. Some policies exclude pre-existing conditions.

Employees with a disability need to consider their options when disclosing a disability on superannuation forms. If the superannuation fund requires an employee to disclose an existing or pre-existing condition and the employee does not inform them of this information it may affect their rights to benefits. It is imperative that employees with a disability investigate what the requirements are from the superannuation fund before any disclosure of disability/medical information is made.

The Commonwealth Disability Discrimination Act 1992 (DDA) generally makes it against the law to discriminate against a person because of disability when providing insurance and superannuation.

For more information visit Guidelines for providers of insurance and superannuation under the Disability Discrimination Act (2016) (opens in a new window)