Total and Permanent Disability (TPD)
If you or someone in your family has suffered an injury or illness that permanently prevents you from working your normal job, you may be entitled to TPD benefits.
What is Total and Permanent Disability (TPD)?
You may be entitled to lodge a TPD claim with your insurer or superannuation fund if you’ve suffered an injury or illness that permanently prevents you from working your normal job or any other related job you are suited for.
To qualify for a Total and Permanent Disability (TPD) claim, you must in general meet the following criteria:
- You had active TPD insurance coverage through your superannuation fund or another provider when you ceased working due to your injury or illness. Most superannuation funds include TPD insurance automatically. If you have multiple superannuation policies across different funds, you may be eligible to submit separate claims with each fund.
- You can demonstrate that your condition prevents you from performing your regular occupation or any other employment suited to your education, training, or experience (or other employment specified in your TPD policy).
Your TPD claim can be based on any injury or illness, regardless of whether it occurred at work. Common conditions that may qualify include:
- Heart attacks
- Cancer diagnosis
- Household injuries
- Sports-related injuries
- Injuries from vehicle accidents
- Ongoing chronic illness
For further advice specific to your circumstances, get in touch with MEJ to discuss.
The claim process
It’s important you seek expert advice for a potential TPD claim. Our expert team can help simplify the process for you. You can organise a free, no obligation consultation with us online or over the phone.
Simply call (02) 6257 2999, or connect with us through our free online claim check here.
