Life claims

Total and permanent disability (TPD): what to do and what to gather

TPD claims lean on medical evidence. Start gathering it early.

Do this first

1. Find your policy, and any cover held through super TPD is often held inside super. The definition of disability differs between policies.
2. Talk to your treating doctors about supporting your claim Their reports are central to most TPD claims.
3. Contact the insurer or fund and ask for the claim forms Ask what they need and how long they say the assessment takes.
4. Keep a record of your symptoms, treatment and work history Dates and details help.

Who to tell

• The insurer or your super fund: Ask for the TPD claim forms and the policy's definition of disability.
• Your employer, if relevant: They may need to complete part of the claim.

What to gather

• The policy or super fund details. So the claim goes to the right place.
• Medical reports from your treating doctors. Show the condition and what it stops you doing.
• Your work history and a statement about your duties. Many policies judge disability against your work.
• Records of your treatment so far. Shows what's been tried.

Things that catch people out

• The policy's own definition of total and permanent disability decides the claim. Read it before you lodge.
• Gaps between your doctors' reports and your claim form can cause delays. Keep your accounts consistent.

General guidance only. It isn't your insurer's requirements or financial advice. Always check your policy documents and your insurer's instructions.