Chronic pain — defined as pain persisting for more than three months beyond normal healing time — is one of the most common and complex causes of work disability. Conditions such as complex regional pain syndrome (CRPS), failed back surgery syndrome, chronic widespread pain and severe neuropathic pain can make sustained employment impossible.
Can chronic pain qualify for TPD?
Yes, but it can be more challenging than straightforward physical injuries because pain is subjective and not always visible on imaging. The keys are:
- A formal chronic pain diagnosis from a pain specialist
- Documentation of extensive treatment (medications, procedures, psychology, physiotherapy)
- Clear evidence that treatments have not returned you to work
- A specialist's opinion that your condition is permanent and prevents employment
Why chronic pain claims get rejected
Insurers sometimes argue that pain may improve, or that lighter duties are possible. Overcoming this requires detailed, consistent medical records showing the full picture of your condition and its impact on your ability to function. A vocational assessment showing no realistic employment options is also powerful evidence.
Don't give up if you've been told it's too hard
Many chronic pain claims that are initially rejected succeed on review or through dispute. Check your eligibility with our free assessment.