How to determine if you are suffering from a total and permanent disability

Life can throw curveballs at you when you least expect it. One minute you’re on the job site, going about your business and the next you’re out of action, wondering how the bills are going to be paid.

There is help available, however, because if you find yourself suffering from an injury, illness or disease that has significantly restricted your ability to work, you may be entitled to Total and Permanent Disability (TPD) insurance.

You may have a private TPD insurance policy, or you may be able to access TPD insurance through your superannuation. Either way, if your extended leave of absence has become more permanent and you’re no longer able to work in any occupation for which you have training or experience you should look into what kind of total and permanent disability insurance is available to you.

We understand deciphering certain types of legal jargon can be a challenge. So, to help you better ascertain the ins and outs of TPD, here is some information to help you determine if you may be eligible for a TPD claim.

How to determine whether you are suffering from a total and permanent disability

To help determine whether you are suffering from a total and permanent disability, you need to address a number of factual considerations based on your occupation, education, training and experience. Furthermore, you need to assess if what you are suffering from aligns with your insurance policy’s definition of the term TPD.

Regardless of what you are suffering from, we recommend talking to a legal professional regarding your situation.

Each case is different and if you’re restricted from performing work duties due to injury or illness we strongly recommend talking to a legal professional.

Once you’ve determined whether you are suffering from a total and permanent disability, it’s time to work out if you’re eligible to make a claim!

How to know if you are eligible to make a claim

Much like any other insurance claim there are certain conditions you need to meet in order to be eligible for a TPD claim. Be aware that the criteria will vary from one insurance company to another, and even from one policy to another so it is important that you are aware of your specific criteria prior to making any potential claims.


Although criteria do vary, there are several common requirements that tend to pop up regardless of the insurance provider. When assessing your eligibility, consider the following:

You qualify for the necessary wait period

– some providers do not require a waiting period, while others will need you to have been unable to work for three or sometimes even six months.

You have proof of your work history

– Typically speaking, this eligibility criteria will require you to have been engaged in regular remunerative work prior to ceasing employment due to your injury or illness.

Your disability is permanent

– you can meet this requirement if you are unlikely to return to any type of work which you are trained for or have experience in, are unlikely to return to your previous roles, or lost limb.

You have undertaken or are currently undertaking ongoing medical treatment

– you must provide proof of regular medical appointments and regular medical care.


Understanding your specific criteria is invaluable when making a claim. It can be the difference between gaining, or not gaining financial peace of mind during challenging times.

But do you have time?

Why not save yourself the hassle of hunting down each policy criteria and take advantage of Claimify’s free super check service to find out if you have TPD insurance up your sleeve?

We comb through the specifics of each policy and assess your prospects for making a successful claim, before recommending an action plan.

Obligation and cost-free, our super check is an easy first step to take, even if you need to go away and think about the results first before proceeding with your claim.

Get in touch with us today to find out more.

Claims made easier.
Claims resolved faster.