Depression — including major depressive disorder — is among the most common and successful grounds for a TPD claim in Australia. If it has stopped you from working, you may be entitled to a lump-sum benefit from your super.
It's about your capacity to work
A TPD claim doesn't depend on the label of your condition. What matters is whether it prevents you from working under your policy's definition.
Evidence that strengthens a depression claim
- Reports from a treating psychiatrist or psychologist.
- A consistent diagnosis and treatment history.
- Evidence you've followed recommended treatment.
See our broader guide to mental health TPD claims and the medical evidence you'll need.
Expect some scrutiny
Insurers look closely at psychological claims, so good documentation matters — but with the right evidence, these claims succeed regularly.
Not sure if you qualify? Start with our free eligibility check.