Total & Permanent Disability
(TPD)

TPD claim paid to you in a lump sum

Our specialist team are here to assist you with the processes and paperwork of your claim,
allowing more time for you to concentrate on your own wellbeing while we get your claim over the line.
The TPD lump sum payment is comprised of your personal and employer superannuation contributions
and an insured component.

Steve was very happy with the benefits from his TPD Claim.
See steve's testimony HERE

See steve's testimony HERE

Benefits can help cover

  • Medical expenses
  • Rehabilitation programs
  • Debt repayments
  • Ongoing income needs

TPD claims – understanding your policy

One of the more general and common definitions of Total and Permanent Disablement is, “Due to an illness or injury,
a person is unable to work in any occupation for which they are suited by training, education, or experience.”
Depending on your policy, the TPD definition and waiting periods may vary. It is extremely important to understand
your policy and its requirements, which we can assist you with.
Some polices will need the claimant to follow specific ongoing advice of a specialist or even a rehabilitation program.
Some TPD claim payouts will often have exclusions for pre-existing medical conditions. See below for TPD Criteria.

TPD claims - what's the criteria?

Level of disability

  • Some insurers will require a minimum level of disability for TPD Claims. They will look at the likelihood of you recovering from your disability.
  • You are unlikely to return to work.
  • Unlikely to return to your previous role.
  • You have lost a limb or your eyesight.

Is your cover included in your super?

‘Any” versus “Own” Occupation, your TPD cover will typically fall under either an own occupation or an any-occupations cover.
TPD inside super only comes with an Any occupation definition, this is a broad definition that can be hard to prove sometimes. Any definition is when you are unlikely to ever be able to engage in any job suited to your education or experience e.g. a job that has basic requirements. Own definition is when you are unlikely to ever return to full time work in your previous job e.g. accountant.

Waiting periods, there is usually a minimum waiting period from the time you make a claim to when you are paid.

  • 3 months continuous absence from work.
  • 6 months continuous absence from work.
  • No waiting periods for some conditions such as major head trauma.

Minimum work history, some insurers require you to meet a minimum level of work before you are eligible.

  • Show 12 months of employment.
  • Full time work.
  • Minimum hours.

Your ability to perform Activities of Daily Living 

  • For some policies you’re required to demonstrate an inability to perform a certain number of Activities of Daily Living (ADL).
  • ADL's include bathing, grooming, dressing, eating and feeding, bowel and bladder function, walking unaided (mobility).

Ongoing medical care and treatment.

  • Some policies require you to show ongoing medical care to improve your condition or to prevent further illness e.g. rehab and regular appointments.

We are insurance claims specialists

You are in good hands

Start free assessment HERECall 1800 950 701