There's a misconception that TPD claims are only for manual workers. In reality, office and desk workers can claim too — the test is your capacity to work, not the type of job.
Common claim triggers
- Mental health conditions such as depression and anxiety.
- Chronic illness, cancer or cardiac events.
- Chronic pain and conditions affecting concentration and reliability.
The test is the same
Whether you can work under your policy's definition is what matters — not whether your job was physical. Cognitive and psychological conditions can be just as disqualifying for desk work.
You likely have cover
Most office workers have default TPD cover in super, sometimes across several funds.
Find out where you stand with our free eligibility check.