Chronic kidney disease (CKD) — particularly at advanced stages (Stage 4–5) or end-stage renal disease requiring dialysis or transplant — can make it impossible to maintain employment. The physical demands of dialysis three times a week, fatigue, anaemia and complications frequently force people out of the workforce permanently.
How CKD relates to TPD eligibility
At advanced stages, CKD commonly meets TPD criteria. The combination of dialysis schedules, post-transplant recovery (or ongoing immunosuppression), and associated fatigue and complications can make it clear to a specialist that a sustained return to work is not possible. The severity of your condition and its prognosis are the key factors your super fund will assess.
Evidence to gather
- Nephrologist reports confirming diagnosis, stage and treatment plan
- Records of dialysis frequency and duration
- Post-transplant records if applicable
- GP statements on your functional capacity and ability to work
Check your current and past super funds and start with a free eligibility check.