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TPD Claims for Cleaners and Domestic Workers

28 March 2026 · 5 min read

Cleaning is physically demanding work that often leads to chronic musculoskeletal conditions. If injury or illness has ended your ability to work, TPD through super may provide support.

Cleaners and domestic workers perform physically demanding tasks — lifting, bending, repetitive movements, chemical exposure and working in awkward positions. Over years, this commonly results in chronic back, shoulder, knee and wrist conditions. When these conditions become permanent and prevent any return to work, a TPD claim may be available.

Common TPD conditions for cleaners

  • Chronic lower back conditions from repetitive bending and lifting
  • Shoulder injuries from mopping, scrubbing and overhead cleaning
  • Knee problems from prolonged kneeling and squatting
  • Chemical sensitivity or respiratory conditions from cleaning product exposure
  • Wrist and hand conditions from repetitive gripping and wringing

Many cleaners don't realise they have cover

Casual and part-time cleaners who have earned enough to receive super contributions may have TPD cover they've never thought about. Check your super account details — coverage is often included as a default. If you've worked for multiple cleaning companies, check all past super accounts via myGov. Use our free eligibility check to explore your options.

Frequently asked questions

Do casual cleaners have TPD insurance?

Possibly. If you received super contributions from a qualifying employer, your fund likely included default TPD cover. Check your fund's annual statement.

Can I claim TPD for a back injury from cleaning work?

Yes. Chronic back conditions caused by the physical demands of cleaning work are a recognised basis for TPD claims.

Disclaimer: This article is general information only and is not legal or financial advice. TPD Claim Support is a claims information and support service, not a law firm. Please seek advice tailored to your circumstances.

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