Systemic lupus erythematosus (SLE), commonly called lupus, is a chronic autoimmune disease that can affect joints, skin, kidneys, heart, lungs and the brain. The combination of unpredictable flares, chronic fatigue and potential organ damage often makes sustained employment impossible.
Is lupus a valid basis for TPD?
Yes. There is no list of "approved" conditions for TPD — what matters is the functional impact on your ability to work. Lupus is well recognised in disability claims because of the severity of symptoms during flares and the long-term organ damage it can cause. A rheumatologist's statement documenting your functional limitations and prognosis is central to your case.
What evidence helps most
- Rheumatologist diagnosis and treatment history
- Evidence of organ involvement (renal, cardiac, neurological)
- History of flares and their frequency and severity
- GP records of time off work and functional limitations
Check multiple super funds
Many people with lupus have had interrupted work histories. Each super fund you contributed to may hold separate TPD cover. Check all past accounts before assuming you have no cover. A free eligibility check can help.