TPD claim guides & resources
Clear, practical answers to help you understand your Total & Permanent Disability entitlements.
Can I Claim TPD If I Can Still Work Part-Time?
Being able to do some light or part-time work doesn't automatically disqualify you. It depends on the definition that applies to your policy.
Can Multiple Conditions Together Qualify for TPD?
No single condition may seem severe enough for TPD — but multiple conditions assessed together often cross the threshold. Here's how combined conditions work in TPD claims.
What Not to Say When Making a TPD Claim
How you describe your condition in a TPD claim — on forms, to doctors and to insurers — can make or break your outcome. Here are the most common mistakes and how to avoid them.
How to Resubmit a TPD Claim After Rejection
Resubmitting a rejected TPD claim with targeted additional evidence is one of the most effective paths to a successful outcome. Here's how to approach it strategically.
TPD vs Income Protection: What's the Difference?
TPD and income protection are different types of cover — and in some cases you can claim both. Here's how they compare.
Why TPD Insurance Is One of Australia's Most Overlooked Financial Safety Nets
TPD insurance through your super is one of Australia's most important financial protections — and one of the most overlooked. Here's why it matters and what to check.
How to Win a TPD Claim Under the 'Any Occupation' Definition
The any-occupation definition requires you to be unable to work in any role suited to your skills and experience. Here's how to build a claim that satisfies this higher threshold.
What Medical Conditions Qualify for a TPD Claim?
There's no fixed list — what matters is whether your condition stops you working. But some conditions come up again and again.
Why Upfront Preparation Is the Most Important Part of a TPD Claim
Most TPD claims are won or lost before a single form is submitted. The preparation phase — getting your policy, medical evidence and employment history right — is where outcomes are determined.
Vocational Assessments in TPD Claims — What They Are and How They're Used
A vocational assessment is often the deciding factor in any-occupation TPD claims. Learn what it involves and how to use one effectively.
TPD and Income Protection — Claiming Both at the Same Time
Many Australians have both income protection and TPD cover. If illness or injury has stopped you working permanently, you may be entitled to claim both. Here's how they work together.
TPD Claims for Tradies: Builders, Sparkies & Labourers
Physically demanding trades carry real injury risk. If you can no longer work on the tools, a TPD claim may be available.
How Much TPD Cover Do I Have? — Default Amounts by Fund
Most Australians have no idea how much TPD cover sits in their super. Default cover varies widely between funds. Here's how to find out — and what typical amounts look like.
Can I Claim TPD for Polymyalgia Rheumatica?
Polymyalgia rheumatica causes debilitating pain and stiffness that can make working impossible. If PMR has stopped you working long-term, a TPD claim through your super may be available.
The Risks of Managing Your Own TPD Claim
Many Australians try to manage their own TPD claim and succeed. But many don't — often because of avoidable mistakes that professional preparation would have caught. Here's what to know.
Can I Make a TPD Claim Years After I Stopped Working?
It's not always too late. Many Australians successfully lodge TPD claims years after they stopped working — if cover was in place at the time.
Super Fund Trustee vs Insurer — Who Actually Decides Your TPD Claim?
Many people assume the insurer makes the final call on a TPD claim. In fact, the super fund trustee has the final say. Understanding this distinction matters for your strategy.
The 60–90 Day TPD Appeal Deadline — Act Before It's Too Late
If your TPD claim was rejected, the clock is ticking. Most insurers require an appeal within 60–90 days. Here's what that means and why you must act quickly.
Functional Capacity Evaluations in TPD Claims
A Functional Capacity Evaluation measures your physical and cognitive ability to work. In TPD claims they can be requested by insurers or used proactively by claimants.
Can I Claim TPD After I've Already Left My Job?
Leaving your job doesn't automatically end your TPD rights. What matters most is your cover at the time you became unable to work.
How TPD Insurers Assess and Challenge Claims — What to Expect
TPD insurers have structured processes for assessing — and sometimes challenging — claims. Understanding how the insurer thinks helps you prepare evidence that holds up.
What Does a TPD Claims Advocate Actually Do?
A claims advocate manages your TPD claim professionally — from evidence gathering to insurer negotiation. Here's what they do and whether you need one.
What a Complete TPD Evidence Package Looks Like
Insurers don't just want your medical records — they want a coherent, complete evidence package that answers every question before they ask it. Here's what that looks like.
How Long Does a TPD Claim Take to Pay Out?
TPD claim timeframes vary. Straightforward claims may resolve in months; complex or disputed ones take longer. Here's what drives the difference.
Mental Health TPD Claims in Australia Are Rising — What You Need to Know
Mental health-related TPD claims have surged in recent years. If a psychological condition has ended your ability to work, your super insurance may provide a significant lump sum.
Why TPD Claims Take So Long — and How to Speed Yours Up
A well-prepared TPD claim typically resolves in 3–6 months. A poorly prepared one can run 18 months or more. Here's why — and what you can do about it.
10 Mistakes That Get TPD Claims Rejected — and How to Avoid Them
The majority of TPD claim delays and rejections come down to avoidable errors in preparation and submission. Here are the ten most common — and how to get it right.
Will a TPD Payout Affect My Centrelink Payments?
A TPD lump sum can interact with Centrelink means testing. Here's the general picture — and why getting advice first matters.
What Is a Free TPD Assessment and What Does It Tell You?
A free TPD assessment is a no-obligation first step that helps you understand whether a TPD claim through your super is worth pursuing. Here's what it involves.
Independent Medical Examinations in TPD Claims — What to Expect
If your TPD insurer requests an Independent Medical Examination, it can feel intimidating. Here's what an IME involves and how to prepare.
How Does a Super Fund Assess a TPD Claim?
Knowing how your super fund assesses a TPD claim helps you present the strongest possible case. Here's what happens behind the scenes when your claim is reviewed.
Does My Employer's Super Fund Affect My TPD Claim?
Your employer's choice of super fund affects your TPD cover. Here's what to check if your super was set up by your employer, and how it affects a potential claim.
Is My TPD Payout Taxed in Australia?
TPD benefits paid from super can be taxed — but how much depends on your age and how the benefit is paid. Here's the general picture.
TPD Payout: Lump Sum or Income Stream?
Most people take their TPD payout as a lump sum, but an income stream may also be available. Here's how to think about which option suits your situation.
TPD Claims for Single Parents
For single parents, being unable to work due to illness or injury is a financial emergency. A TPD claim through super can provide a lump sum that offers genuine stability.
Can I Claim TPD If I Never Worked Full-Time?
Never having worked full-time doesn't automatically disqualify you from a TPD claim. If you earned super contributions, you likely have some level of TPD cover.
Do I Need a Lawyer to Make a TPD Claim?
You can lodge a TPD claim yourself, but support often makes the difference — especially with definitions, evidence and disputes.
How to Check Your TPD Cover in Your Super Account
Most Australians have TPD cover in their super but have no idea how much — or if it's still active. Here's how to find out in just a few minutes.
TPD Claims: No Win No Fee — What It Means
No win no fee TPD services mean you pay nothing upfront. But it's important to understand what fees you might pay if your claim succeeds.
I've Stopped Working Due to Illness — What Are My Options?
Stopping work due to illness is overwhelming. Here's a practical overview of the financial entitlements you may be able to access as an Australian who can no longer work.
Signs You May Be Eligible for a TPD Claim
You might be eligible for a TPD payout and not know it. Here are five common signs that suggest a TPD claim through your super could be worth investigating.
Can I Claim TPD If I'm Self-Employed or a Contractor?
Working for yourself doesn't rule you out. Many self-employed Australians have TPD cover inside their super without realising.
TPD Insurance vs Your Super Balance — What's the Difference?
Your super account balance and your TPD insurance cover are two separate things. Understanding how they work together is important when you're considering a TPD claim.
The TPD Tax Offset — Reducing Tax on Your TPD Payout
The permanent incapacity tax offset can significantly reduce the tax payable on your TPD payout. Here's how it works and how to access it.
How to Appeal a Rejected TPD Claim
A rejected TPD claim is rarely the final word. Here's a clear step-by-step process for appealing a rejection — from internal review to AFCA — with tips on what actually works.
Common TPD Insurance Exclusions — What Isn't Covered?
Every TPD policy has exclusions, but they're often narrower than insurers imply. Understanding what's actually excluded — and what isn't — is key to a successful claim.
My TPD Claim Was Denied Because of the Policy Definition — What Can I Do?
Rejected because you 'could work in another job'? The any-occupation definition is often applied too broadly. Here's how to challenge a definition-based rejection.
Can I Claim TPD If I Live Overseas?
Living overseas doesn't necessarily stop you from making a TPD claim through your Australian superannuation. Here's what expat and overseas Australians need to know.
Can I Claim TPD After a Heart Attack or Stroke?
If a heart attack or stroke has left you unable to return to work, you may be entitled to a TPD payout from your super.
TPD Claims and Divorce or Relationship Breakdown
If you're going through a separation or divorce while also dealing with a TPD claim, understanding how the payout may be treated in family law is important.
TPD vs Workers' Compensation: What's the Difference?
Workers' compensation covers your immediate needs after a work injury. TPD through super provides a lump sum for permanent disability. Here's how they differ — and why you may be entitled to both.
Documents You Need to Make a TPD Claim
Gathering the right documents upfront is one of the most important things you can do to support a TPD claim. Here's a comprehensive checklist of what you'll need.
TPD Claims: How the Internal Dispute Resolution Process Works
A rejected TPD claim must go through your fund's internal dispute resolution process before you can escalate to AFCA. Here's how IDR works and how to make the most of it.
How to Complain to AFCA About a Rejected TPD Claim
A rejected TPD claim doesn't have to be the end. AFCA provides a free external dispute resolution service for super fund members who believe their claim was wrongly denied.
Can I Claim TPD for Cancer?
If cancer or its treatment has stopped you from working, you may be able to claim a TPD lump sum from your super.
Can I Claim TPD If I'm Over 60?
TPD cover has age limits, but many Australians over 60 still have active cover. If illness or injury stopped you working before retirement, a claim may be worth investigating.
TPD Claims for Young Australians
Being young doesn't mean you're not covered. Most Australians with any super have some TPD insurance, and serious illness or injury at any age can qualify for a payout.
Can I Make a Second TPD Claim?
If you have TPD cover in more than one super fund, you can potentially claim from each — they are independent policies. Here's how multiple TPD claims work.
Can I Work After Receiving a TPD Payout?
Worried that if you recover or return to some work you'll have to repay your TPD payout? Here's what the rules actually say about working after a TPD claim in Australia.
What Happens After a TPD Payout?
You've received your TPD payout — what happens now? Understanding tax, Centrelink, investment options and your next steps is important to making the most of your lump sum.
Can I Claim TPD for PTSD?
PTSD is a recognised and serious basis for TPD claims — particularly for first responders, defence personnel and frontline workers.
Can I Use a TPD Payout to Pay Off My Home Loan?
A TPD lump sum can be a lifeline for people with mortgages who can no longer work. Here's how TPD payouts and home loan repayment work in practice.
TPD Claims and the NDIS — How They Work Together
TPD insurance through super and NDIS support are separate entitlements that can be received at the same time. Here's how they work alongside each other.
Can Casual Workers Make a TPD Claim?
Being a casual worker doesn't mean you have no TPD cover. Many casuals have super with TPD insurance — and they can claim it if illness or injury stops them working.
Can I Claim TPD If I Had a Pre-Existing Condition?
A pre-existing condition doesn't automatically mean your TPD claim will fail. Exclusions vary between funds and many conditions aren't excluded at all. Here's how to navigate it.
Can I Make a TPD Claim While on Sick Leave?
You don't have to have left your job or been formally discharged to explore a TPD claim. Many eligible people are still on sick leave when they first investigate their super insurance.
Can I Claim TPD for Anxiety?
Anxiety can be every bit as disabling as a physical injury. If it has stopped you working, a TPD claim may be available.
Can I Claim TPD After Being Made Redundant?
Being made redundant while dealing with a health condition doesn't necessarily mean you can't claim TPD. What matters is why you couldn't continue working.
Can I Make a TPD Claim While on Workers' Compensation?
Workers' compensation and TPD through superannuation are separate entitlements. You may be able to claim both — but timing and coordination matter.
Making a TPD Claim Through Colonial First State Super
Colonial First State is a major retail super platform. If you hold a CFS FirstChoice or related account and can no longer work, your TPD cover may be worth investigating.
Making a TPD Claim Through legalsuper
legalsuper is the industry fund for legal professionals. If a health condition has ended your legal career, your TPD cover may provide a significant payout.
Making a TPD Claim Through Vision Super
Vision Super primarily serves local government workers and employees of water utilities. If illness or injury has stopped you working, your TPD cover through Vision Super may help.
Can I Claim TPD for a Back Injury?
Back injuries are one of the leading reasons Australians stop working. If yours has ended your career, a TPD claim may be possible.
Making a TPD Claim Through Media Super
Media Super serves workers in print, digital, entertainment and arts sectors. If a health condition has ended your career, checking your TPD cover is an important step.
Making a TPD Claim Through Spirit Super
Spirit Super — formed from the merger of Tasplan and MTAA Super — serves workers across Tasmania and many industries nationally. Here's how TPD claims work for members.
Making a TPD Claim Through BT Super
BT Super, previously linked to Westpac, may hold TPD cover for eligible members. Here's how to check your cover and start a TPD claim.
Making a TPD Claim Through MLC Super
MLC Super is a major retail super fund. If you're an MLC member who can no longer work due to illness or injury, here's how to check your TPD cover and lodge a claim.
Making a TPD Claim Through Aware Super
Aware Super is one of Australia's largest funds, covering health, community services and government workers. Here's how TPD claims work for Aware Super members.
TPD Claims for Veterans and Defence Force Members
Veterans may have TPD cover through military super in addition to DVA compensation. If a service-related condition has stopped you working, exploring both systems is important.
Can I Claim TPD Across Multiple Super Funds?
If you hold cover across several super funds, you may be able to claim against each — significantly increasing your total TPD payout.
TPD Claims for Public Servants and Government Workers
Public servants often have generous TPD cover through dedicated government super funds. If illness or injury has stopped you working, your entitlements may be substantial.
TPD Claims for Factory and Manufacturing Workers
Factory and manufacturing work involves machinery, repetitive motion and hazardous conditions. Serious injuries and chronic conditions frequently prevent any return to work.
TPD Claims for Cleaners and Domestic Workers
Cleaning is physically demanding work that often leads to chronic musculoskeletal conditions. If injury or illness has ended your ability to work, TPD through super may provide support.
TPD Claims for Hospitality Workers
Hospitality is physically and mentally demanding work. Injuries, chronic pain and mental health conditions often end careers in the industry — and TPD through super may help.
TPD Claims for Aged Care Workers
Aged care workers have some of the highest rates of workplace injury in Australia. Back injuries and mental health conditions frequently end careers — and many workers are eligible for TPD.
TPD Claims for Retail Workers
Retail workers often don't realise they have TPD cover through their super. If illness or injury has stopped you working in retail or any other role, it's worth checking your entitlements.
How Do I Find Out If I Have TPD Insurance in My Super?
Most working Australians have TPD insurance bundled into their super by default — often without realising. Here's how to check.
TPD Claims for Construction Workers
Construction is one of Australia's most dangerous industries. Serious injuries and chronic conditions frequently force workers off site permanently — and many are eligible for TPD through super.
TPD Claims for Farmers and Agricultural Workers
Farming is physically demanding and often dangerous. Serious injuries and chronic conditions are common — and a TPD claim through super may be an option many farmers overlook.
TPD Claims for Teachers and Education Workers
Teaching is mentally and physically demanding. Burnout, anxiety, depression and physical conditions are common reasons teachers leave the profession — and many are eligible for TPD.
Can I Claim TPD for Liver Disease?
Advanced liver disease causing fatigue, cognitive impairment and complications can make working impossible. A TPD claim through your super may provide a crucial lump sum.
Can I Claim TPD for Heart Disease?
Heart disease that severely limits your exercise tolerance and prevents you from returning to work may qualify for a TPD lump sum through your superannuation.
Can I Claim TPD for a Foot or Ankle Injury?
A severe foot or ankle injury that ends your ability to stand, walk or perform physical work may qualify for a TPD payout through your superannuation.
Can I Claim TPD If I Can No Longer Do My Job?
Being unable to keep doing your job because of injury or illness is the core trigger for a TPD claim. Here's what 'unable to work' actually means.
Can I Claim TPD for an Autoimmune Disease?
Autoimmune diseases can cause progressive, unpredictable disability that makes working impossible. If your condition has stopped you working long-term, a TPD claim through super may apply.
Can I Claim TPD for Scoliosis or Spinal Curvature?
Severe scoliosis causing chronic pain and functional limitations can prevent a return to work, supporting a TPD claim through your superannuation.
Can I Claim TPD for Chronic Pain?
Chronic pain affects hundreds of thousands of Australians and can make any form of sustained work impossible. If pain has ended your working life, TPD may offer a lump sum payout.
Can I Claim TPD for Motor Neurone Disease (MND)?
MND is a rapidly progressive, terminal condition. You may be entitled to both a TPD payout and a terminal illness benefit through your superannuation — and time is of the essence.
Can I Claim TPD for Long COVID?
Long COVID has left many Australians unable to return to work due to fatigue, brain fog and other persistent symptoms. A TPD claim through your super may now be available.
Can I Claim TPD for Endometriosis?
Severe endometriosis causes debilitating chronic pain and complications that can make working impossible. A TPD claim through superannuation may provide important financial support.
How Much Is My TPD Claim Worth? Understanding TPD Payouts
There's no single number — but understanding what drives TPD payout amounts helps you estimate what your claim could be worth.
Can I Claim TPD for a Wrist or Hand Injury?
Losing function in your hand or wrist can end a career in trades, healthcare or any role requiring manual dexterity. A TPD claim through super may be available.
Can I Claim TPD for a Neck or Cervical Spine Injury?
Neck injuries from accidents or degenerative conditions can cause lasting pain and nerve damage that prevent a return to work. A TPD claim may provide a significant lump sum.
Can I Claim TPD for a Hip Injury or Hip Replacement?
A severe hip injury or failed replacement can end a career in physically demanding work. If your hip condition has permanently stopped you working, a TPD claim may be worth exploring.
Can I Claim TPD for COPD or Chronic Lung Disease?
Severe COPD and chronic lung conditions cause breathlessness and fatigue that make physical and many sedentary jobs impossible. A TPD claim through super may be available.
Can I Claim TPD for Chronic Kidney Disease?
Advanced kidney disease often makes working impossible due to fatigue, dialysis schedules and complications. A TPD claim through your super may provide a vital lump sum.
Can I Claim TPD for Lupus?
Lupus can cause joint pain, organ damage, fatigue and flares that make working impossible. If lupus has stopped you from working, you may be eligible for a TPD payout through your super.
Can I Claim TPD for Crohn's Disease or Inflammatory Bowel Disease?
Severe Crohn's disease or ulcerative colitis can make sustained work impossible. If your condition has stopped you from working long-term, a TPD claim through super may be available.
TPD Claims in Adelaide & South Australia: A 2026 Local Guide
If you're in Adelaide or regional SA and illness or injury has stopped you working, you may have a TPD benefit waiting. Here's how it works for South Australians.
Can I Claim TPD for a Spinal Cord Injury?
Spinal cord injuries frequently cause permanent disability that prevents any return to work. Your superannuation may include a significant TPD benefit you haven't yet claimed.
Can I Claim TPD for an Acquired Brain Injury?
An acquired brain injury can permanently change your ability to work. If you have ABI cover through your super, you may be entitled to a substantial TPD payout.
Can I Claim TPD for Schizophrenia or Psychosis?
Schizophrenia is a serious, often lifelong condition that frequently prevents people from maintaining employment. A TPD claim through your super may provide significant financial relief.
Can I Claim TPD for Bipolar Disorder?
Bipolar disorder is a serious mental health condition that can make sustained employment impossible. If it has stopped you working, you may have a TPD claim through your super.
Can I Claim TPD for Parkinson's Disease?
Parkinson's is a progressive neurological condition that often forces people to stop working well before retirement. Here's how it relates to a TPD claim.
Can You Claim TPD for a Mental Health Condition? Yes — Here's How
Mental health conditions are one of the leading causes of successful TPD claims in Australia. Here's what you need to know if a psychological condition has stopped you working.
Your TPD Claim Was Rejected — Here's What You Can Do Next
A knock-back is common — and far from final. Here are the usual reasons TPD claims are rejected and what you can realistically do about it.
Am I Eligible for a TPD Claim? The 5 Questions That Matter Most
Eligibility for TPD comes down to a handful of key factors. Run through these five questions to gauge whether a claim could be worth pursuing.
What Is a TPD Claim? A Plain-English Guide for Australians (2026)
If illness or injury has stopped you from working, you may have a TPD benefit sitting inside your super that you don't know about. Here's how TPD claims actually work in Australia.
My Super Insurance Was Cancelled — Can I Still Claim TPD?
If your super insurance was switched off under 'Protecting Your Super' rules, you may still be able to claim — what matters is when you became unable to work.
TPD Claims for Temporary Residents & Visa Holders
If you worked in Australia on a visa, you may have TPD cover in your super. Here's how claims work for temporary residents.
Average TPD Payout in Australia (2026 Figures)
Averages only tell you so much — your own level of cover matters most. Still, the typical figures help set expectations.
Terminal Illness vs TPD Claims: What's the Difference?
Terminal illness and TPD claims serve different purposes. Understanding the difference helps you claim what you're actually entitled to.
TPD Claims for Office & Desk Workers
TPD isn't only for physical jobs. Office and desk workers can claim too when a condition prevents them from working.
TPD Claims for Police & Emergency Services
Emergency services work exposes you to physical danger and trauma. If you can no longer do the job, a TPD claim may be available.
TPD Claims for Miners & FIFO Workers
Mining and FIFO roles carry high injury and fatigue risk. If you can no longer do the work, a TPD claim may be available — often across several funds.
TPD Claims for Truck & Bus Drivers
Professional driving is physically demanding and safety-critical. If injury or illness has ended your driving career, a TPD claim may be available.
TPD Claims for Nurses & Healthcare Workers
Nurses and healthcare workers face injury and burnout at high rates. If you can no longer do the work, a TPD claim may be available.
Can I Claim TPD for Epilepsy?
Poorly controlled epilepsy can make many jobs unsafe or impossible. If it has stopped you working, a TPD claim may be available.
Can I Claim TPD for Vision or Hearing Loss?
Serious vision or hearing loss can make many jobs impossible. If it has ended your working life, a TPD claim may be available.
Can I Claim TPD for Chronic Fatigue Syndrome?
Chronic fatigue syndrome can make reliable work impossible. If it has stopped you working, a TPD claim may be possible.
Can I Claim TPD for Multiple Sclerosis (MS)?
Multiple sclerosis can affect mobility, energy and cognition, making work impossible over time. A TPD claim may be available.
Can I Claim TPD for a Shoulder Injury?
A serious shoulder injury can make manual work impossible. If yours has ended your career, a TPD claim may be available.
Can I Claim TPD for a Knee Injury?
A serious knee injury can make physically demanding work impossible. If yours has ended your career, a TPD claim may be available.
Can I Claim TPD for Diabetes?
Diabetes itself, and its complications, can stop you working. If that's your situation, a TPD claim may be possible.
Can I Claim TPD for Arthritis?
Severe arthritis can make physical work impossible. If it has stopped you working, a TPD claim may be available through your super.
Can I Claim TPD for Fibromyalgia or Chronic Pain?
Chronic pain conditions like fibromyalgia can be debilitating and hard to document. If they've stopped you working, a TPD claim may be possible.
Can I Claim TPD for Depression?
Depression can be every bit as disabling as a physical injury. If it has stopped you working, a TPD claim may be available.
TPD Claims in the Northern Territory: A 2026 Guide
If you're in the NT and illness or injury has stopped you working, you may have a TPD benefit in your super. Here's how it works.
TPD Claims in the ACT: A 2026 Guide
If you're in Canberra or the ACT and can no longer work due to illness or injury, you may have a TPD benefit in your super. Here's how it works.
TPD Claims in Tasmania: A 2026 Guide
If you're in Tasmania and illness or injury has stopped you working, you may have a TPD benefit in your super. Here's how it works.
TPD Claims in Western Australia: A 2026 Guide
If you're in WA and can no longer work due to illness or injury, you may have a TPD benefit in your super. Here's how it works.
TPD Claims in Queensland: A 2026 Guide
If you're in Queensland and illness or injury has ended your working life, you may have a TPD benefit in your super. Here's how it works.
TPD Claims in Victoria: A 2026 Guide
If you're in Victoria and can no longer work due to illness or injury, a TPD benefit may be sitting in your super. Here's how it works.
TPD Claims in NSW: A 2026 Guide
If you're in NSW and illness or injury has stopped you working, you may have a TPD benefit waiting in your super. Here's how it works for residents.
UniSuper TPD Claim: How It Works
UniSuper serves the higher education and research sector and includes TPD cover for many members. Here's how a claim works.
Hostplus TPD Claim Guide
Hostplus serves hospitality, tourism and recreation workers, and includes TPD cover for many members. Here's how a claim works.
Rest Super TPD Claim: What to Know
Rest is a large fund popular with retail and casual workers. Here's how TPD cover and claims generally work.
Cbus TPD Claim Guide for Workers
Cbus is the industry fund for building and construction workers — an industry with high injury rates. Here's how a TPD claim works.
HESTA TPD Claim: How to Claim
HESTA is the industry fund for health and community services workers, and includes TPD cover for many members. Here's how a claim works.
Australian Retirement Trust TPD Claim Guide
Australian Retirement Trust (formed from Sunsuper and QSuper) includes TPD cover for many members. Here's how a claim works.
AustralianSuper TPD Claim: How It Works
As one of Australia's largest funds, AustralianSuper includes TPD insurance for many members. Here's how a claim generally works.
Can I Access My Super Early While My TPD Claim Is Assessed?
You can't withdraw your full balance until a TPD claim is approved, but there are limited ways to access some money sooner while you wait.
How to Find Lost Super & TPD Cover (myGov & ATO)
There's roughly $13.8 billion in lost and unclaimed super in Australia — and some of it carries TPD cover. Here's how to find yours.
Is There a Time Limit to Lodge a TPD Claim?
Many people assume they've missed the window for a TPD claim. Often they haven't — but time limits can apply, so understanding them matters.
TPD Waiting Periods Explained (3 vs 6 Months)
Before a TPD claim can be assessed, most policies require a period of continuous incapacity. Here's how the waiting period works.
What Medical Evidence Do You Need for a TPD Claim?
Insufficient medical evidence is the number one reason TPD claims are rejected. Here's what strong evidence actually looks like.
How to Make a TPD Claim: A Step-by-Step Guide
The TPD claim process follows a predictable path. Knowing the steps in advance makes it far less daunting — here's how it works from start to finish.
Own Occupation vs Any Occupation TPD: What's the Difference?
The single most important detail in your TPD policy is which disability definition applies. It can be the difference between an approved and a rejected claim.
Can I Claim TPD for a Workplace Injury?
A workplace injury that ends your career may support a TPD claim — often in addition to any workers compensation you receive.
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