It’s reassuring to know that if the worst does happen insurance cover is in place to provide financial support for the people who depend on you. A Death insurance benefit is paid if you die or become terminally ill. A TPD insurance benefit1,2 is paid if you suffer an injury or illness that prevents you from ever being able to work again. Your total superannuation benefit paid to beneficiaries will be the accumulated balance of your super contributions plus any insurance benefit available.