Determining appropriate TPD coverage depends on multiple personal factors. Consider your current annual income and multiply by the years until retirement to estimate total earning capacity you'd lose if permanently disabled. Account for your ongoing expenses including mortgage, living costs, children's education, and any debts. Factor in savings and investments you could draw on, and whether your partner works. Consider future medical and rehabilitation costs, home modifications (wheelchair access, bathroom adaptations), and vehicle modifications you might need. Many Australians are underinsured - the average recommended coverage is 5-10 times your annual salary. You can typically get up to $1.5 million in TPD cover online, with higher amounts available through underwriting. Inside super, your coverage may be limited by your super balance and insurance rules. It's worth reviewing your coverage every few years as your circumstances change, particularly after major life events like buying a home or having children.