Fibromyalgia and other chronic pain conditions can make consistent, reliable work impossible — even when they don't show up clearly on a scan. If your condition has ended your working life, a TPD claim may be available.
Why these claims need careful evidence
Because chronic pain can be hard to measure objectively, insurers often want detailed, consistent documentation. That makes strong medical evidence especially important.
What helps a chronic pain claim
- Specialist reports (rheumatologist, pain specialist) and a clear diagnosis.
- A long, consistent treatment history.
- Functional capacity assessments showing how pain limits your work.
The real test
It comes down to whether you can work under your policy's definition. Being able to manage some light activity doesn't necessarily mean a genuine work capacity — see part-time work.
Check your position with our free eligibility check.