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Can I Claim TPD for a Hip Injury or Hip Replacement?

10 March 2026 · 5 min read

A severe hip injury or failed replacement can end a career in physically demanding work. If your hip condition has permanently stopped you working, a TPD claim may be worth exploring.

Hip injuries — fractures, severe osteoarthritis, avascular necrosis or failed hip replacements — can cause chronic pain and mobility limitations that make it impossible to work, especially in physically demanding jobs. Even desk workers can find concentration and sustained sitting impossible with severe hip pain.

Does a hip condition qualify for TPD?

It depends on severity. A routine hip replacement that results in full recovery is unlikely to qualify. But failed replacements, revision surgeries, chronic post-operative pain, or hip conditions combined with other health issues can collectively prevent a return to work and support a TPD claim. The test is always whether you can work in a role suited to your training and experience, not just your pre-injury role.

Key evidence

  • Orthopaedic surgeon reports detailing the injury, treatment and outlook
  • Pain specialist reports if chronic pain is a feature
  • Physiotherapy or occupational therapy records
  • GP documentation of functional limitations

Physical workers are most at risk

Tradies, nurses, farmers and others in physical roles often cannot transition to sedentary work due to age, skills or comorbidities. In these cases, a hip condition may be sufficient to meet even an "any occupation" TPD definition. Try our free eligibility check.

Frequently asked questions

Can I claim TPD for a hip replacement?

A successful hip replacement alone is unlikely to qualify. However, complications, chronic pain or inability to return to physical work may support a claim.

What if I have hip problems plus other health issues?

Multiple conditions are assessed together. Even if no single condition meets the threshold, the combined impact on your work capacity may.

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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