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Can I Claim TPD for Liver Disease?

21 March 2026 · 5 min read

Advanced liver disease causing fatigue, cognitive impairment and complications can make working impossible. A TPD claim through your super may provide a crucial lump sum.

Chronic liver disease — including cirrhosis, non-alcoholic steatohepatitis (NASH), autoimmune hepatitis and liver failure — can cause profound fatigue, hepatic encephalopathy, fluid accumulation and a high risk of serious complications. At advanced stages, these effects commonly prevent any return to employment.

Does liver disease qualify for TPD?

Advanced liver disease, particularly cirrhosis with complications (ascites, hepatic encephalopathy, portal hypertension), typically causes the kind of severe, permanent functional impairment that meets TPD definitions. Hepatic encephalopathy alone — causing cognitive impairment, confusion and mood changes — can independently prevent employment.

Evidence to gather

  • Hepatologist or gastroenterologist reports
  • Child-Pugh or MELD score documentation showing disease severity
  • Records of hospitalisations and complications
  • GP statements on your functional capacity and ability to work

Liver transplant recipients

If you have received a liver transplant, you may have been able to claim TPD during the period you were listed or recovering. If you haven't claimed and were unable to work during that time, it may still be worth checking. Start with our free eligibility check.

Frequently asked questions

Can I claim TPD for alcohol-related liver disease?

Yes. The cause of liver disease does not determine TPD eligibility — the functional impact on your ability to work does.

What if I'm waiting for a liver transplant?

Being on a transplant list typically indicates severe disease and strongly supports a TPD claim for the period you are unable to work.

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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