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Why is it only a 2 year benefit if done through super? I'm quite sure the wife and I have combined coverage 200k+ until 65 if unable to work again, premiums paid from super fund.

Wife and I are both covered. I don't see why not, premium comes out of super, same with life insurances premiums. Never really count Super funds in net worth, even though it's probably a considerable sum. It's just too far away to be claimable for us.