Understanding your TPD insurance options.
Total and permanent disability (TPD) is an insurance benefit with a definition set by the policy. Cover, exclusions and the relevant dates matter. A TPD enquiry is not the same as an application for a government disability payment or a negligence claim.
Useful information to keep
Start with what you already have. These records may help a later discussion; you don’t need to upload them to make an initial enquiry.
- Your superannuation fund or insurer details and any policy documents.
- Your work history, job duties and the date you stopped or changed work.
- Medical evidence already available and any correspondence about the claim.
What to consider
Policies can use different definitions of disability and work capacity. Check the cover held at the relevant time and the documents needed by the insurer or fund. Another person’s fault is not a universal requirement. ASIC Moneysmart explains the main types of TPD cover.
Ask about time limits promptly. Requirements vary. An enquiry through this website does not lodge a claim or pause a deadline.
Your next step, at your pace
Contact Australian Claim Helpline on 1300 144 878 or leave a few details online. Explain the type of enquiry and any correspondence or deadline you have received. A more detailed assessment and any professional engagement are separate steps.
Before agreeing to a service, ask who will act, what they will do and how costs are handled. Our No Win No Fee guide explains questions to ask about fee arrangements.
Make an enquiryQuestions about total & permanent disability claims
Is TPD always included in superannuation?
No. Check whether you had cover, its amount, the relevant dates and the policy terms with your fund.
Can an illness be relevant?
Yes, depending on the policy. TPD cover can relate to illness as well as injury; the definition and medical evidence are central.
What if my claim was declined?
Keep the decision and policy documents. Ask about the reasons, review options and applicable deadlines before taking the next step.
General information only. Individual circumstances and the applicable rules need assessment.
