One of the most common worries is: "Have I left it too late?" The reassuring news is that TPD claims can often be lodged well after you stop work — but time limits do exist, so it pays to understand them.
Policy notification requirements
Some policies ask you to notify the insurer within a certain period after becoming disabled. These are often flexible, but missing them can complicate a claim.
Limitation periods
Separately, legal limitation periods can apply to disputing an insurer's decision. As a general guide, many TPD policies expect a claim within a couple of years of the date you became totally and permanently disabled — but this varies, so always check your policy.
Why acting sooner helps
Even where late claims are allowed, delay makes medical evidence harder to gather and old super funds harder to trace. Insurers also scrutinise long-delayed claims more closely. If you stopped work years ago, see claiming years later.
Don't assume it's too late — confirm with our free eligibility check.