Endometriosis affects approximately 1 in 9 Australian women and can cause severe, debilitating pelvic pain, fatigue and complications that profoundly impact quality of life and ability to work. While many women manage their symptoms, severe cases — particularly Stage III–IV endometriosis or those with significant complications — can permanently prevent sustained employment.
Is endometriosis a valid basis for a TPD claim?
Yes, when symptoms are severe enough. Historically, some insurers have dismissed chronic pain conditions in women, but this is becoming less acceptable as medical understanding improves. A TPD claim for endometriosis requires strong specialist evidence linking your condition to a permanent inability to work. The test is the same as for any other condition.
Evidence that matters
- Gynaecologist or specialist endometriosis surgeon reports detailing staging and treatment
- Records of surgeries, their outcomes and any complications
- Pain specialist reports if you have a chronic pain diagnosis
- GP records documenting repeated time off work and functional limitations
- Mental health records if anxiety or depression has developed alongside the condition
Complete a free eligibility check to understand your position.