How do I make a claim for Total permanent disability?

To lodge a TPD claim, you will need to contact your insurer or superfund and request the appropriate claims documents. The insurer may also ask for medical evidence relating to your injury/illness.

Most insurers will require two medical professionals to sign off that you are unable to work in any occupation (this will be in the policy wording). For some conditions you may need to meet the required waiting period.

Claiming on a TPD benefit means you are not working for at least 3 months. What this means is you must meet a minimum of 3 month waiting period before lodging your claim with the insurer. Please note that some policies may also have a 6 month waiting period.