Can I claim TPD for depression?
Short answer
Potentially yes. Depression can support a TPD claim where the medical evidence shows your condition causes permanent work incapacity under your policy definition. A diagnosis alone is usually not enough — insurers and super funds typically assess function, treatment history, prognosis, and work capacity.
What decision-makers usually look at
- How symptoms affect concentration, attendance, reliability, and ability to sustain work.
- Length and consistency of treatment (GP, psychologist, psychiatrist, medication, programs).
- Whether reasonable treatment has been attempted and the response over time.
- Specialist opinions on prognosis and likely capacity for suitable employment.
Evidence that can materially strengthen a claim
- Detailed treating psychiatrist and psychologist reports addressing policy tests directly.
- A clear timeline of deterioration, treatment, and any failed return-to-work attempts.
- Employer evidence about attendance, role modifications, and why work could not be sustained.
- Medication and treatment records that corroborate severity and persistence.
Common reasons claims are delayed or refused
- Reports describe diagnosis but not practical work restrictions.
- Inconsistent accounts across forms, clinical notes, and insurer questionnaires.
- Insufficient explanation of why capacity is permanently reduced, not temporarily limited.
- Policy definitions (for example, any occupation tests) not addressed with specific evidence.
Important: This information is general only and is not legal advice. Claim outcomes depend on policy wording, medical evidence, and individual circumstances.
Related guides
Mental health TPD claims · Can I claim TPD for anxiety? · Can I claim TPD for PTSD?