Before you spend hours digging through old super statements, it helps to know the basics of what makes a TPD claim viable. Below are the five questions that most influence eligibility.
1. Have you stopped working due to injury or illness?
TPD is about your capacity to work. If a medical condition — physical or psychological — has stopped you from doing your job and is likely to keep you out long-term, that's the core trigger for a claim.
2. Did you have TPD cover when you stopped work?
This is the single most important factor. You generally need to have had active TPD insurance (usually inside super) at the time you became unable to work. Check current and old super funds — cover is often there by default.
3. Which TPD definition applies to you?
Policies use different definitions:
- "Own occupation" — you can't return to your specific job. Easier to satisfy.
- "Any occupation" — you can't work in any role suited to your training, education or experience. Harder to satisfy.
Knowing which one applies is essential, because it changes everything about how you frame your claim.
4. Do you have medical evidence?
Successful claims are built on documentation: specialist reports, treating-doctor statements, and a clear history showing your condition and its impact on your ability to work.
5. Are you within the time limits?
Some policies require you to claim within a certain period, or to have ceased work while still covered. Don't assume it's too late — but don't sit on it either.
Still unsure? That's normal.
Most people can't answer all five with confidence — especially around old super funds and policy definitions. A free eligibility check can clarify your position quickly, without any commitment.