Schizophrenia and related psychotic conditions — including schizoaffective disorder — can cause severe disruptions to thinking, perception and behaviour that make sustained employment impossible for many people. If this describes your situation, your superannuation may include TPD cover that could pay out a lump sum.
Does schizophrenia qualify for TPD?
The policy definition, not the diagnosis, determines eligibility. If your condition means you are unlikely to ever return to work suited to your training and experience, you can satisfy a TPD definition. Schizophrenia is often a strong basis for a claim precisely because of its chronic nature and the significant functional limitations it causes.
Building a strong claim
Insurers will scrutinise the treating psychiatrist's evidence closely. Key documents include:
- Detailed psychiatrist reports covering diagnosis, treatment, medication trials and prognosis
- Evidence of hospitalisations or crisis episodes
- Documentation of functional limitations in daily life and work settings
- A clear opinion from the treating specialist that a return to work is unlikely
Check your eligibility at no cost with our free assessment.