TPD claims work the same way across Australia, but if you're in New South Wales — Sydney, Newcastle, Wollongong or regional NSW — there are some local points worth knowing.
TPD is national, support can be local
Your TPD cover sits inside your superannuation, so the rules are set by your fund and insurer, not your state. But local support can make arranging medical assessments and gathering evidence easier.
Common situations in NSW
- Construction and trades workers unable to continue physical work — see TPD for tradies.
- Healthcare and frontline workers with injury or mental health conditions.
- Workers with cover across several funds from past jobs.
Check every super fund
Many people in NSW have worked across industries and built up super in several funds — each potentially carrying cover. See how to find lost super and claiming across multiple funds.
Find out where you stand with our free eligibility check.