Many Australians who are eligible for a TPD payout never claim it — often because they don't realise they're entitled. Here are five signs that suggest a TPD claim may be worth pursuing.
1. You stopped working due to illness or injury
If a health condition — physical or psychological — caused you to stop working and you don't expect to return to your previous type of work, this is the primary trigger for a TPD claim.
2. You've been off work for 3+ months
Extended absence due to a health condition is often the starting point. Most TPD policies require a defined period of absence before a claim can be lodged.
3. Your doctor says a return to work is unlikely
If your treating specialist or GP has told you that your condition is long-term or permanent and that returning to your previous work is unlikely, this medical opinion is the foundation of a TPD claim.
4. You have an active super account
If you've worked in Australia and contributed to super, you almost certainly have some TPD insurance. It's included by default in most super funds.
5. You've changed jobs throughout your career
Multiple past employers means multiple super accounts — each potentially with its own TPD cover. Check all of them via myGov.
If any of these describe your situation, our free eligibility check can help you understand your options in just a couple of minutes.