Who can make a TPD claim?

Quick answer

You may be able to make a TPD claim if your illness or injury means you are unlikely to return to work in line with your policy’s disability definition. Most claims are connected to insurance held through superannuation, but eligibility always depends on your exact policy wording and evidence.

Common eligibility factors

• Policy definition: for example, “own occupation” or “any occupation”.
• Medical position: diagnosis, treatment history, and functional impact.
• Work history: your role, duties, qualifications, and employment record.
• Timing: waiting periods and when incapacity started.

Situations we commonly see

• People who have stopped work due to physical injury or chronic illness
• People on extended leave with limited prospect of durable return to work
• People with mental health conditions where work capacity is significantly affected
• People unsure whether they still hold TPD cover in super

Before lodging a claim

It is usually worth checking your policy wording and evidence plan first. Early document strategy can reduce delays and avoid avoidable inconsistencies in claim material.

General information only and not legal advice.

Related guides

What is a TPD claim? · TPD through superannuation · Evidence required for a TPD claim