What is a TPD claim?
Total and Permanent Disablement (TPD) is an insurance benefit that can pay you a lump sum if you're no longer able to work because of illness, injury or disability. A great many Australians carry this cover inside their superannuation without ever realising it.
Where a medical condition or injury has stopped you returning to your usual job — or to any role you're suited to by training and experience — a TPD claim may be worth exploring.
Who may be eligible?
Policies differ, but you may have a pathway if:
- illness, injury or disability has stopped you working
- your condition is expected to be ongoing or permanent
- you held super cover when you stopped work, or when your condition began
- you meet your fund's particular definition of "permanent disability" — which varies between policies
Don't write yourself off too soon. TPD definitions vary a lot between funds and policies. A knock-back from one provider doesn't mean another won't apply. A Free Claim Check helps clarify what your policies actually say.
Conditions people often claim for
TPD claims are pursued for a wide range of conditions, including:
- mental health conditions such as depression, anxiety and PTSD
- cancer and chronic illness
- back, neck, joint and musculoskeletal injuries
- workplace and motor vehicle injuries
- stroke, heart conditions and neurological disorders
- fibromyalgia, chronic fatigue and autoimmune conditions
That list isn't the whole picture — if your condition affects your ability to work, it's worth checking.
How CantWork helps
We help you take the first practical step. During a Free Claim Check we look at your circumstances, help work out what insurance you may already hold, and set out clear next steps. Where your matter needs legal or specialist input, we'll point you to a trusted provider.
Not sure if this applies to you?
Start with a Free Claim Check — we'll help you understand if there's a pathway worth exploring.
Start Free Claim Check →