If you're seriously ill, you may come across both terminal illness and TPD claims. They're different, and which one applies depends on your situation.
TPD claims
A TPD claim pays a lump sum if illness or injury means you're unlikely to ever work again, under your policy's definition.
Terminal illness claims
A terminal illness claim is generally available when two doctors certify you have a condition likely to result in death within a defined period (often 12 or 24 months). It can release your super balance and any life cover early.
Can you claim both?
Depending on the cover you hold, you may have access to more than one benefit. The right path depends on your diagnosis, prognosis and policies. Both are typically faster with strong medical evidence.
Tax can differ
Terminal illness benefits often have favourable tax treatment. See our guide on whether a TPD payout is taxed.
Unsure which applies? Start with our free eligibility check.