Bipolar disorder — characterised by cycling episodes of mania or hypomania and severe depression — affects a person's ability to maintain stable, reliable employment. When symptoms are severe and persistent enough to prevent a return to work, a TPD claim may be available through your superannuation.
Is bipolar disorder covered by TPD?
Yes. Mental health conditions, including bipolar disorder, are valid grounds for a TPD claim. Super funds cannot discriminate against psychological conditions. The question is whether your condition meets your policy's definition of total and permanent disability — meaning you are unlikely to ever return to work you are suited for.
Why some bipolar claims are more complex
The episodic nature of bipolar disorder means insurers sometimes argue you may recover and return to work. This is where strong psychiatric evidence matters — documenting the pattern of episodes, your treatment history, hospitalisations, and a specialist's prognosis about long-term work capacity.
Key evidence to gather
- Psychiatrist reports covering diagnosis, medication history and prognosis
- GP records showing treatment over time
- Any hospital admission records
- A statement from your employer or evidence of work absences
Start with a free eligibility check to assess your position.