What is a TPD claim?
Total and Permanent Disablement (TPD) is a type of insurance that may pay you a lump-sum benefit if you can no longer work due to illness, injury, or disability. Many Australians have TPD cover attached to their superannuation without realising it.
If your medical condition or injury has stopped you from returning to your usual work — or any work you're suited to by training and experience — a TPD claim may be worth exploring.
Who may be eligible?
TPD policies vary, but you may be eligible if:
- You have stopped working due to illness, injury, or disability
- Your condition is expected to be ongoing or permanent
- You had super cover at the time you stopped work (or your condition began)
- You meet the policy's definition of "permanent disability" — which varies by fund
Don't assume you don't qualify
TPD definitions vary widely between super funds and policies. Even if one provider has rejected you, another may apply. The Free Claim Check helps clarify what's actually in your policies.
Common conditions that may qualify
People often pursue TPD claims for conditions including:
- Mental health conditions (depression, anxiety, PTSD)
- Cancer and chronic illness
- Back, neck, joint, or musculoskeletal injuries
- Workplace or motor vehicle injuries
- Stroke, heart conditions, neurological disorders
- Fibromyalgia, chronic fatigue, autoimmune conditions
This list isn't exhaustive — if your condition affects your ability to work, it's worth checking.
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, and give you clear next steps. If your matter requires legal or specialist support, we'll refer you to a trusted provider.