Long COVID — also called post-acute sequelae of COVID-19 (PASC) — causes persistent symptoms weeks or months after the initial infection, including severe fatigue, cognitive impairment ("brain fog"), breathlessness, post-exertional malaise, and other debilitating effects. For a significant number of Australians, these symptoms have prevented a return to work for a year or more.
Can Long COVID qualify for TPD?
The key question for TPD is permanence. Long COVID is still being studied, and many insurers have initially resisted claims on the basis that the condition might resolve. However, for people who have remained unable to work for 12–24 months with no significant improvement despite treatment, building a case for permanence is increasingly viable — and claim approvals are growing.
What evidence supports a Long COVID claim?
- A clear diagnosis from your treating GP or specialist
- Evidence of persistent symptoms over at least 12 months
- Specialist referral records (cardiologist, respiratory physician, neurologist)
- Documentation of treatments tried and their lack of success
- Records of ongoing inability to return to work
Act sooner rather than later
Time limits in TPD policies vary. If Long COVID has been keeping you out of work for an extended period, don't delay investigating your options. Start with a free eligibility check.