There's a common belief that only employees can claim TPD. In reality, self-employed people, sole traders and contractors often have TPD cover too — usually inside their super.
Where your cover might be
- A personal super fund you contribute to.
- Old employee super accounts from before you went out on your own.
- Cover you set up voluntarily through your fund.
The same test applies
If injury or illness stops you running your business or doing your usual work, and you had active cover, you may be able to claim — just like an employee.
Don't assume you're not covered
Many self-employed Australians write off the idea of a claim without checking. That can mean leaving a significant payout on the table.
It costs nothing to find out — try our free eligibility check.