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Eligibility

Can I Make a TPD Claim Years After I Stopped Working?

21 May 2026 · 6 min read

It's not always too late. Many Australians successfully lodge TPD claims years after they stopped working — if cover was in place at the time.

If you stopped working some years ago, you might think the window to claim has closed. In many cases, it hasn't.

Late claims are common

People often delay because they didn't know they had cover, were focused on their health, or assumed they weren't eligible. A claim can frequently still be assessed based on your situation at the time you became unable to work.

What to be aware of

  • Some policies have time limits or notification requirements.
  • Older medical evidence may need to be gathered.
  • Old super funds may need to be tracked down.

Act sooner rather than later

While late claims are possible, delays can make evidence harder to gather. If you think you may have a claim, it's best to check now.

Start with our free eligibility check.

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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