Parkinson's disease causes tremors, stiffness, slow movement and balance problems that worsen over time. For many Australians, the condition eventually makes it impossible to keep working — and that's exactly the situation TPD insurance is designed for.
Does Parkinson's qualify for TPD?
There's no fixed list of qualifying conditions in most policies. What matters is whether your symptoms have made you totally and permanently unable to work — either in your own occupation or any occupation you're suited to by training and experience. Parkinson's is progressive, which works in your favour: a neurologist's opinion that you are unlikely to return to your pre-disability work is often sufficient to satisfy the "permanent" element.
What evidence do you need?
- A diagnosis from a neurologist confirming Parkinson's disease
- Reports documenting symptom severity and functional limitations
- A treating GP's statement on your capacity to work
- An occupational therapist or vocational assessment can strengthen the claim
Timing matters
You need to have had active TPD cover at the time your condition forced you to stop working. Check current and past super funds — many Australians have cover across multiple accounts from previous employers.
A free eligibility check can confirm whether your diagnosis and work history are likely to support a claim.