Can I claim TPD for PTSD?
Short answer
In some cases, yes. PTSD may support a TPD claim where evidence shows persistent impairment and a low likelihood of sustainable return to suitable work under the policy test. The core issue is long-term functional capacity, not simply whether PTSD has been diagnosed.
What tends to matter most
- Documented symptom pattern over time, including triggers, flashbacks, hypervigilance, and avoidance behaviour.
- Impact on reliable attendance, concentration, interpersonal functioning, and safety in work environments.
- Treatment pathway (psychiatry, trauma-focused therapy, medication) and clinical response.
- Specialist prognosis addressing whether capacity is likely to improve enough for suitable employment.
Evidence checklist for PTSD-related TPD claims
- Treating specialist reports linked directly to policy wording and vocational capacity.
- Chronology of treatment, setbacks, and attempts to resume work.
- Employer or occupational records showing practical work limitations.
- Consistent reporting across insurer, trustee, GP, psychologist, and psychiatrist documents.
Common avoidable issues
- Submitting generic reports that do not address permanency.
- Leaving gaps in treatment history without explanation.
- Inconsistent statements about function between different claim documents.
- Failing to align clinical language with the exact policy definition being applied.
Important: This content is general information only and not legal advice. Eligibility depends on policy wording, evidence quality, and personal circumstances.
Related guides
Mental health TPD claims · Can I claim TPD for depression? · Can I claim TPD for anxiety?