30 seconds. Zero cost. Zero pressure.

Not Sure If You Qualify? Let's Find Out.

Most people who come to us didn't know they were eligible for a TPD claim at all. Answer 5 quick questions and get real clarity on whether a claim may be worth pursuing, right now, for free.

5 quick questions About 30 seconds Completely free
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Free eligibility checkStart with one quick question
30 sec
Question 1 of 5

Are you currently unable to work, or finding it very difficult to work, due to a mental or physical illness or injury?

This is the core requirement for a TPD claim, either physical or mental health-related.

A TPD claim generally requires an inability to work due to illness or injury, so this may mean you're not eligible right now. If your situation is more complicated than a simple yes/no, keep going, we're happy to talk it through with you.
Question 2 of 5

Do you currently receive the Disability Support Pension (DSP), or are you an NDIS participant?

Neither of these affects a TPD claim, but if you've already been through this process, you may have more of the evidence needed than you realise.

Question 3 of 5

Has your illness or injury lasted, or is it expected to last, a significant period of time?

Most policies require your condition to be ongoing or unlikely to substantially improve, not just short-term.

Question 4 of 5

Have you ever had a superannuation account, current or from a previous job?

Most TPD and income protection cover is held inside super, so this is often where an entitlement is sitting.

Question 5 of 5

Have you seen a doctor, specialist, or other medical professional about your condition?

Medical evidence is central to any claim, even limited treatment history can usually be built on.

Your free assessment

Where should we send your result?

Add your details and our team will personally review your answers. There is no cost or obligation.

Your information is treated confidentially and used only to assess and respond to your enquiry.

Wondering whether you qualify for a TPD claim? If an illness or injury has affected your ability to work, you may have Total and Permanent Disability (TPD) insurance through your superannuation or another insurance policy. TPD eligibility depends on more than your diagnosis alone: your ability to work, the impact of your condition, your medical evidence, employment circumstances and the specific definition in your insurance policy can all be relevant. Whether you are unable to work, struggling to continue in your usual occupation, working reduced hours or dealing with multiple conditions, it can be worth checking whether you may have a TPD claim. Thrive Claims provides a free TPD eligibility assessment to help you understand your circumstances and whether you may have a potential claim.

Real stories. Real outcomes.

Three Clients, Three Successful Cases

Every claim starts the same way: someone who didn't know what cover they had, or whether it was even worth checking.

ConstructionWorkplace BullyingDepression & PTSDJai WHe walked off the tools. He did not know his super was still holding cover.Combined Payout $1 million+Read the story South AustraliaWorkplace AccidentBack InjuryJulieShe had been off work for months. She did not know her super still held cover.TPD + Income ProtectionRead the story QueenslandMining AccidentDanielThe job stopped. The cover in his super did not.TPD Across 2 FundsRead the story

Names have been shortened and identifying details limited to protect client privacy. Each case is assessed on its own facts, outcomes and payout amounts are specific to the circumstances described and are not a guarantee or prediction of any other claim's result.

Our process

Sow. Nurture. Thrive.

Every claim moves through three stages: Sow, Nurture, Thrive, the same story behind our name.

Stage OneSowUnderstand & Prepare
  • Free Initial Assessment
  • Locate All Your Cover
  • Gather Evidence
Stage TwoNurtureManage & Communicate
  • Lodgement of Your Claim(s)
  • Managing the Assessment
Stage ThreeThriveDecision & Settlement
  • Approval, Payment & Withdrawal

Generally 3 to 9 months, however timeframes vary depending on complexity and the insurer involved.

See how it works
How we can help

Explore Our Claim Services

Different circumstances can involve different cover. Explore the support most relevant to you.

TPD ClaimsSuperannuation ClaimsIncome Protection ClaimsMultiple Super Funds ClaimsMental Health ClaimsPhysical Illness ClaimsTPD for DSP RecipientsTPD for NDIS ParticipantsMotor Accident Claimants
Australia-wide support

TPD Claims Support, State by State

Our process is proactive, remote and free to get started, wherever you are based.

VictoriaTPD CLAIMS SUPPORTNew South WalesTPD CLAIMS SUPPORTQueenslandTPD CLAIMS SUPPORTWestern AustraliaTPD CLAIMS SUPPORTSouth AustraliaTPD CLAIMS SUPPORTTasmaniaTPD CLAIMS SUPPORT

Still Have a Question?

Confidential, obligation-free assessment.

Call 1300 059 888