Mental health conditions now account for a significant and growing proportion of TPD claims in Australia. Industry data shows mental health-related claims have risen dramatically over the past decade — driven by increasing diagnosis rates, greater awareness and a workforce that better understands its entitlements.
Which mental health conditions qualify for TPD?
Any mental health condition that permanently prevents you from working can qualify. The most common in TPD claims include:
- Major depression and treatment-resistant depression
- Anxiety disorders — generalised anxiety, panic disorder, social anxiety
- Post-traumatic stress disorder (PTSD)
- Bipolar disorder
- Schizophrenia and schizoaffective disorder
- Severe burnout with associated psychiatric diagnosis
- OCD and other complex presentations
What makes mental health claims different
Mental health claims can be more complex than physical injury claims because:
- Symptoms are not always visible or objectively measurable
- Conditions can fluctuate, leading insurers to argue you may recover
- Stigma has historically led some insurers to scrutinise these claims more heavily
The solution is strong, consistent psychiatric evidence. A detailed report from a treating psychiatrist — covering diagnosis, treatment history, hospitalisations, medication trials, prognosis and functional limitations — is the cornerstone of a successful mental health TPD claim.
You are entitled to equal treatment
Super funds and insurers are required to assess mental health claims on the same basis as physical claims. If you believe your mental health claim has been treated unfairly, this can be challenged at IDR or AFCA. Check your options with our free eligibility check.