Making a TPD claim can feel overwhelming, especially while you're managing illness or injury. But the process follows a clear sequence. Here's what it generally looks like.
Step 1: Confirm you have cover
Check current and old super funds for TPD insurance. Many Australians are covered without realising — see how to find TPD insurance in your super, and how to track down lost super.
Step 2: Contact the fund and request the claim pack
Your fund or its insurer sends you claim forms and tells you what's required. You'll usually complete a claimant statement and authorise access to your medical records.
Step 3: Gather your medical evidence
This is the heart of the claim. You'll need detailed reports from treating specialists — see what medical evidence you need. GP certificates alone are rarely enough.
Step 4: Lodge everything together
Submitting a complete application up front avoids the back-and-forth that causes most delays.
Step 5: Assessment and payment
The insurer assesses your claim against the policy definition. If approved, the benefit is paid into your super account, then released to you subject to tax and a condition of release. See how long a claim takes.
Ready to start? Our free eligibility check takes about 60 seconds.