A diagnosis alone does not necessarily determine whether a TPD claim is successful.
TPD Claims
TPD Claims for When You Are Unwell or Injured
You may be entitled to a lump sum payout through your superannuation — and you might not even know it exists. Most Australians hold TPD insurance without realising it, sometimes across more than one super fund at once.
$0Upfront. Ever
$0If You Don't Win
AUNationwide Support
100%Confidential
A Total and Permanent Disability (TPD) claim can provide a significant, life-changing lump sum payment if injury or illness means you're unable to return to work, allowing you to focus on getting better.
Most Australians Already Have It
TPD insurance is often attached automatically through superannuation without many people knowing it exists.
You May Hold More Than One
Because people often change jobs and super funds throughout their careers, they may hold multiple TPD policies across different funds.
We have seen cases where clients had no idea they were eligible for a payout at all, let alone holding policies with several different funds. Once every policy is identified, combined entitlements across multiple funds can add up to a genuinely significant outcome, allowing our clients to focus on their health and rehabilitation.
What Counts as Total and Permanent Disability?
Every super fund and insurer defines TPD slightly differently, but claims generally fall into two broad categories.
Own Occupation
You're unable to ever work again in the specific occupation you held before your illness or injury.
Any Occupation
You're unable to work in any occupation you're reasonably qualified for by education, training, or experience.
TPD Claims
Real Clients. Real Outcomes.
Total and Permanent Disability insurance may provide a lump-sum benefit when illness or injury prevents you from working
Every case starts the same way — someone who didn't know what cover they had, until we looked.
From a construction worker who found three forgotten policies, to a client who was paid across two separate super funds — see how real clients discovered entitlements they didn't know existed.
The Details That Actually Decide Your Claim
Beyond which policy definition applies, these are the areas that most often make or break an outcome.
Medical Evidence
Reports must directly address your capacity to work, not just your diagnosis.
Learn more →Work Capacity
Your day-to-day functional limitations matter more than the label of your condition.
Learn more →Timeframes
Claims can take months, and delays don't necessarily mean something's wrong.
Learn more →Common Pitfalls
Forgotten policies or insufficient evidence are common issues.
Learn more →3 Things You Need to Know About TPD Claims
Before you assume you don't have a claim, or that a claim will be simple, here's what actually matters.
01
It's Often Hiding in Your Super
Most Australians have TPD cover automatically attached to their superannuation, without ever taking out a policy themselves.
02
A Diagnosis Alone Isn't Enough
Eligibility comes down to whether your circumstances satisfy the policy's own definition — not the diagnosis by itself.
03
You Can Have More Than One Policy
Multiple super funds over your working life can mean multiple TPD policies — old cover you may have completely forgotten about.
TPD Claims Are About More Than a Diagnosis
A diagnosis alone does not necessarily determine whether a TPD claim is successful.
The relevant assessment considers how your illness or injury affects your ability to perform work, the requirements of your policy, and your capacity for other suitable employment where applicable.
That's why medical evidence needs to clearly explain your functional capacity and limitations — not simply identify your condition.
We help coordinate the information needed to present your circumstances clearly. TPD Medical Evidence.
How Thrive Claims Helps
1
Identify Every TPD Cover You Hold
We search current and past super funds to uncover policies you may not know exist.
2
Gather the Correct Medical Evidence
Insurers assess claims against specific criteria — we know what's required and help coordinate the right reports and documentation.
3
Lodge Strong, Well-Evidenced Claims
A poorly prepared claim is far more likely to be delayed, queried, or denied. We build claims designed to be approved the first time.
4
Navigate Complex Fund and Insurer Definitions
Trustee requirements, insurer policy wording, and legislative conditions of release can all affect your claim — we manage the technical detail so you don't have to.
5
Pursue Every Dollar You're Entitled To
Where multiple policies or complicating factors exist, we work to ensure your full entitlement is pursued, not just the most obvious claim.
Common Reasons TPD Claims Are Delayed or Rejected
A specialist advocate significantly reduces the risk of these issues derailing your claim.
1Insufficient or poorly targeted medical evidence
2Missed or forgotten policies from previous super funds
3Misunderstanding which definition of disability applies
4Incomplete employment history documentation
5Missed deadlines or unclear insurer correspondence
How Your TPD Claim Progresses
A straightforward three-stage process, managed from start to finish.
01
Free Assessment
We review your situation and identify every policy you hold.
02
We Build Your Case
Medical and employment evidence gathered to satisfy your fund's definition.
03
Lodge & Get Paid
We manage the claim through to approval and payment, keeping you updated throughout.
Questions, answered
Need More Clarity?
Straight answers about TPD claims, written in plain English.
Can I claim TPD if I'm still working part-time?
Depending on your policy's definition and your capacity to work, a reduced ability to work may still support a valid claim. See Can I Claim TPD While Working? →
Will I lose my super if I make a TPD claim?
No — a TPD claim is a payment made to you in addition to (or as part of accessing) your super balance under permanent incapacity provisions. See TPD Payout Through Superannuation →
Does it matter if my injury happened outside of work?
No — TPD cover through superannuation generally applies regardless of whether your injury or illness is work-related. See Physical Injury & Illness →
Can I make a TPD claim if I have mental health problems?
Yes, mental health conditions can form the basis of a TPD claim where they've significantly affected your capacity to work. See Mental Health Claims →
Can I claim TPD if I am receiving DSP?
Receiving the Disability Support Pension does not automatically prevent you from having TPD insurance through superannuation.
Can I claim TPD if I'm an NDIS participant?
Being an NDIS participant does not automatically prevent you from having TPD insurance through superannuation.
Can I have more than one TPD claim?
You may have TPD insurance attached to more than one superannuation account or policy. See Multiple TPD Policies & Super Funds →
What if I have changed super funds?
Previous superannuation funds may have included insurance cover we can investigate. See TPD After Changing Jobs →
What medical evidence do I need for a claim?
Evidence should clearly explain your condition and its impact on your capacity to work, not just the diagnosis itself. See TPD Medical Evidence →
What happens if my claim is rejected?
A rejection isn't necessarily the end of the matter — the reasons for the decision should be reviewed carefully. See TPD Claim Rejected →
Does my injury have to be caused by work?
No. TPD insurance through superannuation generally isn't limited to workplace injuries. See Can I Claim TPD? →
How much does it cost to make a claim?
Nothing upfront. Thrive Claims operates entirely on a No Win, No Fee basis. See our fee structure →
TPD Claims Resources
Learn more about the questions that commonly arise during a TPD claim:
01Can I Claim TPD?02Do I Qualify for a TPD Claim?03Can I Claim TPD While Working?04TPD Medical Evidence
05TPD Claim Documents06TPD Insurance Through Super07Do I Have TPD Insurance Through Super?08Multiple TPD Policies & Super Funds
09TPD Payouts in Australia10TPD Payout Through Superannuation11TPD Claim Rejected12TPD Claim Appeal
13TPD Claim Delayed14TPD Medical Report15TPD Work Capacity Evidence16TPD After Leaving Work
17TPD After Changing Jobs18TPD Multiple Conditions19TPD Claim Timeframes20WorkCover Claims vs TPD Claims
TPD Claims by Medical Conditions
TPD claims can arise from many different illnesses, injuries and combinations of conditions.
When illness or injury prevents a return to work, a TPD claim is assessed against the insurance policy’s definition of disability. Reviewing your superannuation claim options can help identify cover held within your fund, while income protection may provide monthly benefits where its separate requirements are met. If you have changed jobs or funds, checking multiple super funds may uncover additional policies worth assessing. Our claim services bring these related pathways together without assuming every policy will pay.
The effect on work capacity matters whether your circumstances involve physical illness or injury or a mental health condition. A diagnosis alone does not establish entitlement, and an illness or injury does not necessarily need to originate at work for TPD cover to be relevant.
Receiving the Disability Support Pension or participating in the NDIS does not, by itself, establish TPD eligibility. We can investigate cover for DSP recipients and NDIS participants, taking account of work capacity and policy requirements. For motor accident claimants, a separate TPD entitlement may also be worth exploring alongside the relevant accident compensation pathway.
Explore our services
Specialist support for every claim pathway.
Australia-wide support
TPD claims support, state by state.
VictoriaTPD CLAIMS SUPPORTNew South WalesTPD CLAIMS SUPPORTQueenslandTPD CLAIMS SUPPORTWestern AustraliaTPD CLAIMS SUPPORTSouth AustraliaTPD CLAIMS SUPPORTTasmaniaTPD CLAIMS SUPPORT
VictoriaExplore TPD claims
New South WalesExplore TPD claims
QueenslandExplore TPD claims
Western AustraliaExplore TPD claims
South AustraliaExplore TPD claims
TasmaniaExplore TPD claims
Not Sure If You Qualify?
Find out in under 30 seconds, for free — or call us now.
TPD Claims
TPD Claims for When You Are Unwell or Injured
You may be entitled to a lump sum payout through your superannuation — and you might not even know it exists. Most Australians hold TPD insurance without realising it, sometimes across more than one super fund at once.
$0Upfront. Ever
$0If You Don't Win
AUNationwide Support
100%Confidential
A Total and Permanent Disability (TPD) claim can provide a significant, life-changing lump sum payment if injury or illness means you're unable to return to work, allowing you to focus on getting better.
Most Australians Already Have It
TPD insurance is often attached automatically through superannuation without many people knowing it exists.
You May Hold More Than One
Because people often change jobs and super funds throughout their careers, they may hold multiple TPD policies across different funds.
We have seen cases where clients had no idea they were eligible for a payout at all, let alone holding policies with several different funds. Once every policy is identified, combined entitlements across multiple funds can add up to a genuinely significant outcome, allowing our clients to focus on their health and rehabilitation.
What Counts as Total and Permanent Disability?
Every super fund and insurer defines TPD slightly differently, but claims generally fall into two broad categories.
Own Occupation
You're unable to ever work again in the specific occupation you held before your illness or injury.
Any Occupation
You're unable to work in any occupation you're reasonably qualified for by education, training, or experience.
TPD Claims
Real Clients. Real Outcomes.
Total and Permanent Disability insurance may provide a lump-sum benefit when illness or injury prevents you from working
Every case starts the same way — someone who didn't know what cover they had, until we looked.
From a construction worker who found three forgotten policies, to a client who was paid across two separate super funds — see how real clients discovered entitlements they didn't know existed.
The Details That Actually Decide Your Claim
Beyond which policy definition applies, these are the areas that most often make or break an outcome.
Medical Evidence
Reports must directly address your capacity to work, not just your diagnosis.
Learn more →Work Capacity
Your day-to-day functional limitations matter more than the label of your condition.
Learn more →Timeframes
Claims can take months, and delays don't necessarily mean something's wrong.
Learn more →Common Pitfalls
Forgotten policies or insufficient evidence are common issues.
Learn more →3 Things You Need to Know About TPD Claims
Before you assume you don't have a claim, or that a claim will be simple, here's what actually matters.
01
It's Often Hiding in Your Super
Most Australians have TPD cover automatically attached to their superannuation, without ever taking out a policy themselves.
02
A Diagnosis Alone Isn't Enough
Eligibility comes down to whether your circumstances satisfy the policy's own definition — not the diagnosis by itself.
03
You Can Have More Than One Policy
Multiple super funds over your working life can mean multiple TPD policies — old cover you may have completely forgotten about.
TPD Claims Are About More Than a Diagnosis
The relevant assessment considers how your illness or injury affects your ability to perform work, the requirements of your policy, and your capacity for other suitable employment where applicable.
That's why medical evidence needs to clearly explain your functional capacity and limitations — not simply identify your condition.
We help coordinate the information needed to present your circumstances clearly. TPD Medical Evidence.
How Thrive Claims Helps
1
Identify Every TPD Cover You Hold
We search current and past super funds to uncover policies you may not know exist.
2
Gather the Correct Medical Evidence
Insurers assess claims against specific criteria — we know what's required and help coordinate the right reports and documentation.
3
Lodge Strong, Well-Evidenced Claims
A poorly prepared claim is far more likely to be delayed, queried, or denied. We build claims designed to be approved the first time.
4
Navigate Complex Fund and Insurer Definitions
Trustee requirements, insurer policy wording, and legislative conditions of release can all affect your claim — we manage the technical detail so you don't have to.
5
Pursue Every Dollar You're Entitled To
Where multiple policies or complicating factors exist, we work to ensure your full entitlement is pursued, not just the most obvious claim.
Common Reasons TPD Claims Are Delayed or Rejected
A specialist advocate significantly reduces the risk of these issues derailing your claim.
1Insufficient or poorly targeted medical evidence
2Missed or forgotten policies from previous super funds
3Misunderstanding which definition of disability applies
4Incomplete employment history documentation
5Missed deadlines or unclear insurer correspondence
How Your TPD Claim Progresses
A straightforward three-stage process, managed from start to finish.
01
Free Assessment
We review your situation and identify every policy you hold.
02
We Build Your Case
Medical and employment evidence gathered to satisfy your fund's definition.
03
Lodge & Get Paid
We manage the claim through to approval and payment, keeping you updated throughout.
Questions, answered
Need More Clarity?
Straight answers about TPD claims, written in plain English.
Can I claim TPD if I'm still working part-time?
Depending on your policy's definition and your capacity to work, a reduced ability to work may still support a valid claim. See Can I Claim TPD While Working? →
Will I lose my super if I make a TPD claim?
No — a TPD claim is a payment made to you in addition to (or as part of accessing) your super balance under permanent incapacity provisions. See TPD Payout Through Superannuation →
Does it matter if my injury happened outside of work?
No — TPD cover through superannuation generally applies regardless of whether your injury or illness is work-related. See Physical Injury & Illness →
Can I make a TPD claim if I have mental health problems?
Yes, mental health conditions can form the basis of a TPD claim where they've significantly affected your capacity to work. See Mental Health Claims →
Can I claim TPD if I am receiving DSP?
Receiving the Disability Support Pension does not automatically prevent you from having TPD insurance through superannuation.
Can I claim TPD if I'm an NDIS participant?
Being an NDIS participant does not automatically prevent you from having TPD insurance through superannuation.
Can I have more than one TPD claim?
You may have TPD insurance attached to more than one superannuation account or policy. See Multiple TPD Policies & Super Funds →
What if I have changed super funds?
Previous superannuation funds may have included insurance cover we can investigate. See TPD After Changing Jobs →
What medical evidence do I need for a claim?
Evidence should clearly explain your condition and its impact on your capacity to work, not just the diagnosis itself. See TPD Medical Evidence →
What happens if my claim is rejected?
A rejection isn't necessarily the end of the matter — the reasons for the decision should be reviewed carefully. See TPD Claim Rejected →
Does my injury have to be caused by work?
No. TPD insurance through superannuation generally isn't limited to workplace injuries. See Can I Claim TPD? →
How much does it cost to make a claim?
Nothing upfront. Thrive Claims operates entirely on a No Win, No Fee basis. See our fee structure →
When illness or injury prevents a return to work, a TPD claim is assessed against the insurance policy’s definition of disability. Reviewing your superannuation claim options can help identify cover held within your fund, while income protection may provide monthly benefits where its separate requirements are met.
If you have changed jobs or funds, checking multiple super funds may uncover additional policies worth assessing. Our claim services bring these related pathways together without assuming every policy will pay.
The effect on work capacity matters whether your circumstances involve physical illness or injury or a mental health condition. A diagnosis alone does not establish entitlement, and an illness or injury does not necessarily need to originate at work for TPD cover to be relevant.
Receiving the Disability Support Pension or participating in the NDIS does not, by itself, establish TPD eligibility. We can investigate cover for DSP recipients and NDIS participants, taking account of work capacity and policy requirements. For motor accident claimants, a separate TPD entitlement may also be worth exploring alongside the relevant accident compensation pathway.
Explore our services
Specialist support for every claim pathway.
TPD Claims by Medical Conditions
TPD claims can arise from many different illnesses, injuries and combinations of conditions.
Back, Neck & Spine
Back, Neck & SpineNeurological
NeurologicalChronic Pain & Autoimmune
Chronic Pain & AutoimmuneBrowse All
See Every ConditionAustralia-wide support
TPD claims support, state by state.
TPD Claims Resources
Learn more about the questions that commonly arise during a TPD claim:
Not Sure If You Qualify?
Find out in under 30 seconds, for free — or call us now.