Two people with the same injury can get completely different TPD outcomes — and the reason is usually the definition written into their policy. Almost every TPD policy uses one of two tests: "own occupation" or "any occupation".
Own occupation
Under an own occupation definition, the question is whether you can return to your specific job — the role you were doing when you stopped work. This is the easier test to satisfy, because you only need to show you can't go back to that occupation.
Any occupation
Under an any occupation definition, you must show you can't work in any job suited to your education, training or experience. This is harder, and it's the definition used by almost all TPD cover held inside super.
Why it changes everything
Because the definition sets the bar for your claim, knowing which one applies tells you what evidence you need and how to frame your situation. Being able to do some light or casual work doesn't automatically disqualify you — see our guide on part-time work.
Not sure which definition applies to you? Start with our free eligibility check and we can help you understand your position.