People often ask whether their specific condition “qualifies” for TPD. The honest answer is that there's no fixed list — what matters is whether the condition prevents you from working in line with your policy definition.
Conditions that commonly support claims
- Back, neck and spinal injuries
- Joint injuries (knees, shoulders, hips)
- Mental health conditions — depression, anxiety, PTSD
- Cancer and its treatment
- Cardiac conditions and stroke
- Chronic illness and autoimmune conditions
- Neurological conditions
The real test
Two people with the same diagnosis can have very different outcomes — because TPD assesses your capacity to work, not just the diagnosis itself.
If your condition isn't listed
Don't assume you're not eligible. Many successful claims involve combinations of conditions or less common diagnoses.
The simplest way to check is our free eligibility check.