Can you make a TPD claim after stopping work?

Short answer

Often yes. Many people first explore a TPD claim after leaving work. The key issue is usually not whether you are currently employed, but whether you met the policy’s TPD definition and were covered under the relevant super or insurance policy when your permanent incapacity arose.

What usually needs to be proven

• You were insured for TPD under the policy at the relevant time.
• Your condition became permanent under the policy test (for example, own occupation or any occupation wording).
• Medical evidence supports reduced work capacity and long-term prognosis.
• Your work history and duties before stopping work are clearly documented.

Common timing risks after leaving work

• Policy changes: your super fund may have changed insurer or policy wording over time.
• Cover cessation rules: some policies have rules linked to account activity or employment status.
• Evidence gaps: delayed treatment records or unclear timelines can make assessment harder.
• Multiple funds: separate claim pathways may apply if you had more than one super account.

Practical steps to take early

1. Identify all super funds you held when you were working.
2. Request policy and insurance details for the relevant period.
3. Prepare a timeline of symptoms, treatment, and work capacity changes.
4. Collect key medical reports and employment records before lodging.
5. Check whether other benefits (for example, income protection) may run alongside your TPD pathway.

Related guides

TPD through superannuation · Evidence required for a TPD claim · How long does a TPD claim take?

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