There's a common myth that TPD claims are only for physical injuries. In reality, mental health conditions are among the most frequent and successful grounds for a TPD claim in Australia.
Which conditions can qualify?
- Depression and major depressive disorder
- Anxiety disorders
- Post-traumatic stress disorder (PTSD)
- Bipolar disorder
- Chronic stress and burnout that prevents return to work
What matters isn't the label — it's whether the condition prevents you from working in line with your policy's definition.
Why mental health claims need careful handling
Psychological claims can attract extra scrutiny from insurers. They may request detailed treatment histories, psychiatric reports, and evidence of ongoing treatment. The good news: with the right documentation, these claims succeed regularly.
Evidence that strengthens a mental health TPD claim
- Reports from a treating psychiatrist or psychologist
- A consistent history of diagnosis and treatment
- Evidence you've followed recommended treatment
- Statements describing how your condition affects daily function and work
You're not alone in this
Pursuing a claim while managing a mental health condition can feel overwhelming. Support services exist precisely so you don't have to navigate the paperwork and insurer back-and-forth on your own. A free, confidential eligibility check is a low-pressure first step.