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Can I Claim TPD for a Shoulder Injury?

25 August 2026 · 5 min read

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

Shoulder injuries — rotator cuff tears, dislocations, chronic instability and failed surgery — frequently prevent workers from continuing physically demanding roles.

When a shoulder injury can support a claim

  • The injury stops you returning to your usual work.
  • It's likely to be long-term or permanent.
  • You had TPD cover when you stopped working.

Evidence that helps

Orthopaedic and treating-doctor reports, imaging, surgical history and statements about how the injury affects your work — see medical evidence.

Manual roles hit hardest

Tradies, labourers, nurses and drivers often can't continue once a shoulder is badly affected — see TPD for tradies.

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Frequently asked questions

Can I claim TPD for a shoulder injury?

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

What evidence do I need for a shoulder injury claim?

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

Does the type of work I did matter?

Yes. Physically demanding roles are often impossible to continue with a serious shoulder injury, which supports a claim under the policy definition.

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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