Back injuries — herniated discs, chronic lower-back pain, spinal damage and failed surgeries — are among the most common reasons Australians can no longer work. If that's your situation, you may be able to claim TPD.
When a back injury can support a claim
- The injury stops you returning to your usual work.
- It's expected to be long-term or permanent.
- You had TPD cover when you stopped working.
Evidence that helps
Specialist and treating-doctor reports, imaging (MRI/CT), records of treatment and surgery, and statements about how the injury affects your ability to work all strengthen a claim.
Physical jobs hit hardest
Tradespeople, labourers, drivers, nurses and warehouse workers often can't continue physically demanding roles after a serious back injury — which is exactly what TPD cover is for.
Check where you stand with our free eligibility check.