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Can I Claim TPD for a Knee Injury?

22 August 2026 · 5 min read

A serious knee injury can make physically demanding work impossible. If yours has ended your career, a TPD claim may be available.

Knee injuries — torn ligaments, cartilage damage, failed reconstructions and severe osteoarthritis — are a common reason workers in physical roles can no longer do their jobs.

When a knee 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

Orthopaedic and treating-doctor reports, imaging (MRI), surgical records and statements about how the injury limits your work — see medical evidence.

Physical jobs hit hardest

Tradies, nurses, drivers and warehouse workers often can't continue on a damaged knee — see TPD for tradies and related back injury claims.

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Frequently asked questions

Can I claim TPD for a knee injury?

Yes, where a serious knee injury prevents you from returning to your usual work on a long-term basis and you had cover when you stopped working.

What evidence supports a knee injury TPD claim?

Orthopaedic and treating-doctor reports, MRI or other imaging, surgical records, and statements on how the injury limits your ability to work.

What if I can do light duties?

Being able to do some light work doesn't automatically disqualify you, particularly under an 'own occupation' definition. It depends on your policy.

Disclaimer: This article is general information only and is not legal or financial advice. TPD Claim Support is a claims information and support service, not a law firm. Please seek advice tailored to your circumstances.

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