Spinal cord injuries can cause partial or complete paralysis, loss of sensation, and a range of secondary complications. They are among the most severe and life-altering injuries a person can experience — and they frequently satisfy TPD definitions because of their permanent nature.
Will a spinal cord injury qualify?
In most cases, yes. Complete spinal cord injuries that cause permanent paralysis are among the clearest cases for TPD approval. Even partial (incomplete) injuries may qualify if the resulting impairment prevents a return to any work suited to your skills and experience. The medical evidence is usually clear-cut.
Multiple sources of compensation
A spinal injury may also entitle you to:
- Workers' compensation — if it occurred at work
- CTP (third-party) insurance — if caused by a motor vehicle accident
- NDIS — for long-term support funding
A TPD payout through your super is separate from and in addition to most of these. You can usually claim all that apply.
Getting started
Check your current and past super funds for TPD cover. If you had active cover when your injury occurred, a claim is likely worth pursuing. Complete a free eligibility check to confirm your position.