Heart attacks and strokes can have lasting physical and cognitive effects that make returning to work impossible. Where that's the case, a TPD claim may be available.
Lasting impact is the key
TPD focuses on your ongoing capacity to work. If complications, fatigue, mobility issues or cognitive effects prevent you returning to your usual role, you may meet the policy definition.
Common after-effects that affect work
- Reduced physical stamina and exertion limits
- Cognitive or speech difficulties after a stroke
- Anxiety or depression following a cardiac event
Document everything
Cardiologist and treating-doctor reports, hospital records and rehabilitation notes all help establish your claim.
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