Physical injury TPD claims
Quick answer
A physical injury may support a TPD claim where the injury causes enduring work incapacity under your policy definition. The claim usually turns on functional evidence, treatment history, and occupational requirements.
Common injury profiles
- Spinal and back injuries
- Orthopaedic injuries
- Neurological complications affecting physical function
- Chronic pain conditions with verified work impact
Evidence that often matters
- Imaging and specialist reports
- Treating practitioner records
- Functional capacity and restrictions
- Detailed role demands from employment history
Practical strategy
Align medical restrictions with real job requirements and policy definitions. That connection is often central to robust assessment.