How to win a claim for Total & Permanent Disability (TPD claim)

If you've found this article, chances are you already know that many superannuation funds contain an insurance policy for total and permanent disability (TPD). These policies, often worth $100,000's, can be claimed on if you experience a personal injury or disability which prevents you from being able to return to work. Understanding the TPD claim process and requirements is fundamental to winning your TPD Claim.

When it comes to TPD insurance, each superannuation fund's insurer has their own policy requirements - so, prior to spending any time or money on a TPD claim, we recommend that you read the fine print first to understand the criteria you must meet to be eligible for the pay out. However, most of the time, the insurer requires the applicant to have not worked for a period of time and to be able to provide specific evidence to prove that they are permanently unable to return to the work that they usually do. A successful TPD claim does not usually require you