Industry data consistently shows that most TPD claim rejections and delays are caused by submission problems — not genuine ineligibility. Getting these ten things right dramatically improves your outcome.
1. Not reading your policy definition first
The TPD definition in your policy — "own occupation," "any occupation," or "home duties" — determines everything about how your claim must be framed. Submitting without understanding which definition applies is the most fundamental error.
2. Relying on a GP letter alone
A letter from your GP saying you're unwell is rarely sufficient. Insurers require detailed specialist reports specifically addressing diagnosis, treatment, prognosis, and capacity to work — framed against your policy's exact definition.
3. Leaving gaps in medical evidence
Every gap in your evidence is a reason for the insurer to pause the clock and request more. A complete, coherent evidence package submitted upfront compresses timelines significantly.
4. Ignoring the employment history section
Your work history — roles, duties, hours, income — is critical context for the "occupation" element of your claim. Incomplete employment information leads to requests for clarification that can add months to processing.
5. Not addressing permanence directly
TPD requires that your disability is permanent. Many claims are rejected because no specialist has explicitly stated a return to work is unlikely. A direct prognosis statement from your treating specialist is essential.
6. Submitting before the waiting period is satisfied
Most policies have a waiting period (commonly 3–6 months of continuous absence from work) that must be satisfied before a claim can be assessed. Submitting early gives the insurer a technical ground for rejection.
7. Missing the time limit
Some policies have claim time limits. Waiting too long to investigate or lodge can result in a valid claim being rejected on procedural grounds alone. See our guide on TPD time limits.
8. Accepting the insurer's first decision without question
Many initially rejected claims are overturned on internal review or at AFCA. A rejection letter is a starting point, not a final answer. See our rejection guide.
9. Consolidating super before checking cover
Rolling old super accounts into one fund cancels the TPD cover in those accounts. Never consolidate without first checking whether each account holds active TPD insurance.
10. Going it alone on a complex claim
Straightforward claims can often be lodged directly. But if your claim involves rejected history, complex medical conditions, or disputed definitions, specialist support significantly improves outcomes.
Check your position before you submit — our free eligibility check is the right starting point.