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.