Neck injuries — including disc herniations, fractures, severe whiplash and cervical spondylosis — can cause chronic pain, nerve impingement, headaches and restricted movement that significantly affect work capacity. When these effects are permanent and severe, TPD insurance through your super may apply.
What makes a neck injury claim successful?
The key factors are chronicity and functional impact. A neck injury that causes temporary pain is different from one causing permanent nerve damage, radiculopathy or myelopathy. The stronger your specialist evidence linking the injury to a permanent inability to perform your job, the better your claim position.
Evidence to gather
- Orthopaedic or neurosurgical reports
- MRI and CT scan results showing structural damage
- Nerve conduction studies if nerve involvement is present
- Pain management specialist reports if applicable
- GP functional capacity statement
Physical and desk workers alike can be affected
While neck injuries obviously affect physical roles, prolonged sitting and screen work can also be impossible with severe cervical spine problems. Check whether your condition and occupation combination supports a TPD claim with our free eligibility check.