If there's one thing every TPD specialist agrees on, it's this: claims live and die on medical evidence. The most common reason a valid claim is delayed or declined is that the evidence doesn't directly prove permanent incapacity.
What insurers typically expect
- A detailed report from a treating specialist addressing your diagnosis, prognosis and permanence.
- Your GP's clinical notes and treatment history.
- Imaging or test results (MRI, CT, blood work) relevant to your condition.
- Hospital discharge summaries and a record of treatments tried.
- For psychological claims, a treating psychiatrist's report — see mental health TPD claims.
Why GP certificates alone aren't enough
A simple medical certificate says you're unfit for work today. It doesn't establish that your condition is permanent and prevents future work under your policy's definition. Insurers routinely return generalist reports that don't address "own occupation" or "any occupation" — see the definitions explained.
Make the evidence speak to the test
The strongest claims include functional capacity assessments and reports that explicitly connect your condition to your inability to work. Find out where you stand with our free eligibility check.