An acquired brain injury (ABI) can result from a car accident, fall, stroke, aneurysm, assault, or lack of oxygen during a medical event. The lasting effects — cognitive impairment, memory loss, fatigue, personality changes, physical disability — often mean a person can never return to their previous work. This is precisely the situation TPD insurance exists for.
How ABI relates to TPD eligibility
Most TPD policies require that you are unable to return to work you are suited for by your education, training or experience. For many ABI survivors, the combination of cognitive and physical impairments makes this test straightforward — the severity and permanence of the injury is the key factor.
Evidence that supports your claim
- Neurologist or neurosurgeon reports
- Neuropsychological assessment documenting cognitive deficits
- Occupational therapy functional capacity evaluation
- Medical imaging (CT, MRI) showing the injury
- Treating GP's statement on work capacity
Don't overlook older super funds
If your ABI occurred some years ago, you may have had active TPD cover at a super fund from a previous employer. It's worth checking all past funds before assuming no cover exists. Our free eligibility check can help you map this out.