Can you claim TPD for a heart condition?
Yes. Cardiac conditions — including heart attack, heart failure, cardiomyopathy, serious arrhythmias and coronary artery disease — can support a TPD claim where they stop you working long-term. For some people a single major event ends their working life; for others it's the ongoing limits and risk that matter.
How heart disease affects your ability to work
- reduced stamina, breathlessness and fatigue
- medical advice to avoid physical exertion or high-stress work
- ongoing treatment, monitoring and medication
- the risk of a further cardiac event
- anxiety or depression following a serious diagnosis
What matters for a claim
TPD policies vary, but the questions that usually matter are:
- you have stopped working, and a return to your usual work is unlikely
- your condition is ongoing or expected to be permanent
- you had cover at the time you stopped work (or when your condition began)
- you meet the policy's definition of permanent disability — which varies by fund
- you have supporting medical evidence from your treating doctors
It's not only about a single heart attack
You don't need to have had a dramatic event to claim. Chronic heart conditions that gradually reduce your capacity to work can also support a claim, with the right medical evidence.
Related situations we see
- people advised not to return to physical or high-stress roles
- heart conditions alongside diabetes, stroke or kidney disease
- depression or anxiety after a cardiac event
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.