Motor neurone disease (MND) — also known as ALS or Lou Gehrig's disease — is a progressive neurological condition that affects the nerves controlling movement. It is life-limiting, and most people with MND lose the ability to work within months of diagnosis.
Two potential claims: TPD and terminal illness
If you have MND, you may be eligible for two separate benefits through super:
- TPD insurance — a lump sum for permanent inability to work
- Terminal illness benefit — allows early access to your superannuation balance if two medical practitioners certify a life expectancy of less than 24 months
These are different entitlements and should be pursued simultaneously. See also our guide to terminal illness vs TPD claims.
Act immediately
MND progresses quickly. Given the urgency, do not wait to investigate your options. Gather documents from your neurologist and contact your super fund as soon as possible. Our free eligibility check can help you understand what to pursue.