Mental health TPD claims
Quick answer
Some people may be eligible for a TPD claim where a mental health condition causes long-term work incapacity under the policy definition. Evidence detail and consistency are particularly important.
Common conditions in TPD matters
- Major depressive disorder
- Anxiety disorders
- PTSD and trauma-related conditions
- Other clinically diagnosed psychiatric conditions affecting work capacity
Evidence focus areas
- Diagnosis and treatment history
- Functional impact on work duties and reliability
- Specialist and treating practitioner opinions
- Duration and prognosis, aligned with policy wording
Common pitfalls
- Under-explained functional limitations
- Gaps between clinical notes and claim statements
- Insufficient occupational detail about required duties