Please select your state

We will show you information specific to your state.

Home | Superannuation, TPD & Insurance claims | Total and Permanent Disability (TPD) claims

Claiming for disability in Victoria

If you have become permanently unable to continue working due to illness or disability, you may be entitled to access your Superannuation and associated insurance policies.

To claiming TPD you do not need to prove that the injury or illness was work related

If you cannot work

TPD coverage commonly provides financial benefits to those who are no longer able to work in their usual occupation or any other occupation they are reasonably suited to due to mental or physical disability or ill health.

For those who are very seriously injured, or who were not working at the time of disability, other definitions can also be relevant. In these cases a definition is usually based around not being able to perform personal care or the activities of daily living such as feeding, walking, dressing and showering.

FAQ

What is Total and Permanent Disability (TPD)?

What does Total and Permanent Disability or TPD mean?

TPD coverage commonly provides financial benefits to those who are no longer able to work in their usual occupation or any other occupation they are reasonably suited to due to mental or physical disability or ill health.

For those who are very seriously injured, or who were not working at the time of disability, other definitions can also be relevant. In these cases a definition is usually based around not being able to perform personal care or the activities of daily living such as feeding, walking, dressing and showering.

Importantly TPD does not mean “never work again”. If you are able to retrain into some other area and continue working in the future then you may still have a claim. TPD insurance can be attached to your superannuation, mortgage or other loan insurance. You may also have other occupational specific cover. For example in the building, construction or contract cleaning industries, portable long service leave can be claimed in the event of TPD. It provides financial benefits to those who are no longer able to work in their usual occupation due to mental or physical disability or ill health.

Can I claim for TPD?

Do I qualify for TPD?

To qualify for TPD benefits, you will need to show that your injury or illness has stopped you working, and that you are unable to continue working in your usual job and any other occupation that fits your skills, training or education.

Unlike other injury related claims, when you are claiming for total and permanent disablement you do not need to prove that the injury or illness was caused by someone else or that it is work related. For example, if you are suffering from cancer or an organic mental health condition such as bipolar and are unable to work, you will still receive benefits. You just need to show that the injury or illness is significant and has affected your ability to earn an income, or has seriously impeded your ability to engage in your daily activities.

What evidence do I need to provide?

What evidence so I need to provide?

To claim for TPD you must have medical evidence proving that you meet the criteria. Doctors and other medical practitioners need to be carefully briefed about the definition involved and how the definition should to be interpreted.

Other evidence you may need include education, training and experience. You will need to show why you cannot perform any other past jobs that you have done previously that might be considered suitable. For example, you may be physically and medically capable of working in an office-based role; however do you also have the ability and experience to obtain a job that is suitable to you? Other factors that may need to be considered are whether there is employment available where you live and if there are any other barriers that could be stopping you from getting a job.

Whilst you might be able to get a job, are you able to hold onto employment on an ongoing basis due to the injury or illness? If the answer is No, then you may still be entitled to claim for TPD.

To find out if you can claim TPD, call us on 13 43 63 or enquire online.

What benefits will be paid?

Benefits you may be able to claim include Income Protection, Accident and Trauma and/or Life Insurance. Depending on what Insurance coverage you have and what is included in your Superannuation policy you may receive these benefits as a lump sum or monthly payments.

The amounts you may be entitled to will vary, depending on the type of insurance cover you have and how much you are insured for. This information is usually included in the fine print of your policy or statements.

These benefits can be claimed in addition to any Centrelink or Workers Compensation payments you may have received for the injury or illness.

More information on TPD claims

For more information about Total and Permanent Disability (TPD) claims and what to do if your claim has been rejected, please visit our Super Claims website.

 

Contact Us

Latest News and Blog

Mesothelioma victim loses critical evidence to document destruction

It is a basic principle of many adversarial legal systems that in … Read More

Insurer in hot water over Super Fund scandal

Recent media reports have revealed allegations of unethical claims handling against one of Australia’s largest insurers, CommInsure.Read More