Who insures TPD at AMP Super?

AMP Super super products use various group insurance arrangements depending on the specific product. AIA Australia Limited is a common insurer across many AMP retail super products, though some legacy products and corporate plans use other insurers. The trustee of the relevant AMP super product makes the final decision under the SIS Act.

AMP has restructured several times — does my old cover still apply?

Yes, the policy in force on the date you stopped work governs your claim, regardless of any subsequent product restructure or transfer. AMP has rationalised many products over recent years; some members have been migrated between products, with cover preserved or amended at migration. Original product documentation establishes your starting position.

Can I claim if my AMP super has been transferred to North or another platform?

Yes — the trustee that administered your super at the date of disablement, and the insurer on cover at that date, are who assesses the claim. Subsequent product migration doesn't extinguish a claim that crystallised under the prior product, provided cover was actually in force at the relevant time.

What if my cover was in MyNorth, AMP Flexible Super, or a corporate plan?

Each AMP super product has its own Insurance Booklet and group insurance arrangement. Corporate (employer-sponsored) AMP plans often have higher default cover than retail products. The product name on your latest member statement and the insurance terms in that product's PDS determine your claim assessment.

AMP Super TPD Claim: Eligibility, Payouts, and the Claim Process

Default cover and insurer

AMP operates a wide range of super products including AMP Flexible Super, MyNorth, AMP Signature Super (corporate), and various legacy products. Cover amounts and insurers vary materially between products. AIA Australia Limited is a common insurer for many AMP retail super products.

Cover ranges:

Retail products — variable, depends heavily on whether voluntary cover was applied for; default cover often modest
Corporate (employer) plans — typically more generous default cover, scaled by salary; some plans offer 1x to 5x salary as default
Legacy products — terms vary, sometimes substantially different from current AMP offerings

Why your specific AMP product matters more than the brand

AMP super has the highest product diversity of any Australian provider. Practical implications for claims:

The Insurance Booklet for your specific product (named on your latest member statement) governs eligibility
Different products have different insurers — confirm yours rather than assuming
Corporate plans often have superior default cover compared to retail products
Migrated members may have rights under both the original and current product, depending on migration terms

The TPD definition that applies to you

Common AMP TPD definitions:

Any Occupation — standard for default cover across most products
Own Occupation — sometimes available on voluntary cover for professional occupations
Modified TPD — some products combine occupational tests with Activities of Daily Living tests for non-working members

Read the Insurance Booklet for your specific AMP product and any voluntary cover offer letter you received.

How to claim

Notify the AMP product trustee of intent to claim
Receive and complete the claim pack
Insurer assesses against the policy definition
Trustee independently reviews and decides
Approved claims pay out subject to condition of release

If your claim is declined

Common reasons AMP TPD claims are declined:

Pre-existing condition exclusions or non-disclosure findings on voluntarily-applied cover
Insurer's view that you can perform alternative work under "Any Occupation"
Cover not in force on the date you stopped work (rollover or fund-cancellation issues)
Disputed application of underwriting loadings or exclusions

Dispute pathway is internal dispute resolution then AFCA. See our guide to rejected TPD claims.

AMP Super-specific tips

Pin down the exact product. Your annual statement and login screen show the specific AMP product. Confirm this before lodging.
Retrieve your underwriting paperwork. For voluntary cover, the original application, offer letter, and any loadings/exclusions are critical.
Corporate plan members — confirm whether your employer's group plan has superior default cover compared to the retail equivalent.
Migrated members — get records of any cover-preservation or cover-loss at migration. AMP migrations don't always preserve insurance fully.

Free AMP super TPD claim assessment A specialist will identify your AMP product, applicable policy, and eligibility free →