Does my health condition qualify for a TPD claim?
It's one of the most common questions we're asked — and the answer surprises a lot of people. Total and permanent disability (TPD) claims are not decided by the name of your condition. They're decided by whether your illness or injury stops you from working in a job suited to your training, education and experience, and whether that's likely to be permanent.
That means almost any serious health condition can potentially support a claim — physical or psychological — as long as there is medical evidence showing how it affects your capacity to work. Two people with the same diagnosis can have very different outcomes depending on their cover, their work history, and the wording of their policy.
It's about your capacity to work, not a diagnosis label
You don't need a condition from a special list. If your illness or injury has stopped you working and is expected to be ongoing, it's worth checking what cover sits in your super — even if you're unsure, and even if another insurer has said no.
Common conditions people claim for
Below are some of the conditions we're most often asked about. Select one to learn more, or reach out for a Free Claim Check about your own situation.
Mental health
Depression, anxiety, PTSD and other psychological conditions.
Learn more →Cancer
Diagnosis, treatment and recovery affecting your ability to work.
Learn more →Back & spinal injuries
Chronic back pain, disc injuries and spinal damage.
Learn more →Stroke
Lasting effects on movement, speech, memory or cognition.
Learn more →Heart disease
Heart attack, heart failure and other cardiac conditions.
Learn more →Musculoskeletal injuries
Shoulder, knee, hip and joint injuries affecting mobility.
Learn more →More conditions that may support a claim
This list isn't exhaustive. We also regularly help people who can no longer work because of:
Autoimmune & chronic illness
- Arthritis
- Lupus
- Multiple sclerosis (MS)
- Fibromyalgia
- Chronic fatigue syndrome
- Crohn's disease & IBD
- Diabetes complications
Neurological & brain
- Acquired brain injury
- Epilepsy
- Parkinson's disease
- Chronic migraines
- Nerve damage / neuropathy
Injuries & chronic pain
- Amputation
- CRPS (chronic regional pain syndrome)
- Crush injuries
- Carpal tunnel syndrome
- Hand, leg & foot injuries
Respiratory & other
- COPD & lung disease
- Kidney disease
- Vision or hearing loss
- Long-term chronic pain
Don't see your condition? That doesn't mean you can't claim. Reach out for a Free Claim Check and we'll look at your situation.
What ClaimSure does
We help you take the first practical step. In a Free Claim Check, we look at your situation, help identify what insurance you may already have across your super accounts, and give you clear next steps in plain English. If your matter needs legal or specialist support, we'll refer you to a trusted provider.