TPD claim questions, answered carefully

No single diagnosis, work event or benefit status automatically establishes a TPD claim. The applicable policy wording, cover dates and evidence must be considered together.

The most useful evidence usually connects medical restrictions and prognosis with actual job demands, work history and a consistent chronology. The exact emphasis depends on the policy.

Not necessarily. The insurer may consider what the activity involved, how often it occurred, what support was required and whether it showed reliable and sustainable work capacity.

Obtain the policy and cover records, preserve relevant dates and correspondence, and identify the specific question the insurer or trustee must decide before gathering more material.