TPD claim readiness checklist
Use this practical checklist before lodging. It helps you identify evidence gaps early and reduce avoidable delays.
1) Confirm the policy definition
- Identify whether your cover is “any occupation”, “own occupation”, or another policy test.
- Check waiting periods, cessation of work requirements, and exclusions.
- Confirm which super fund or insurer is responsible for assessment.
2) Build a clear medical evidence set
- Current diagnosis and treatment history from treating specialists and GP.
- Functional impact statements: what you can and cannot do in work settings.
- Consistency between medical records, certificates, and claim forms.
3) Prepare work and earnings evidence
- Role history, duties, and changes before stopping work.
- Payroll/group certificates and employment records where relevant.
- Any return-to-work attempts and why they were not sustainable.
4) Plan claim documents before submission
- Draft timeline of symptoms, treatment, and work milestones.
- Review forms for accuracy and consistency before signing.
- Keep a copy of everything submitted and all correspondence.
5) Set communication and follow-up cadence
- Record claim reference numbers and case manager details.
- Respond to insurer/super requests promptly and in writing where possible.
- Escalate delays or unclear requests early to protect momentum.
Important: This checklist is general information only and not legal advice. Policy wording and evidence quality can materially change outcomes.