What Needs To Happen For A TPD Claim To Be Accepted?


Total and permanent disability insurance, also known as TPD, is an insurance policy that allows you to claim on the policy if you are unable to ever work again as a result of illness or injury. This insurance policy involves being paid a lump sum once your claim is accepted.

If you are claiming on a TPD policy, you will need to wait until you have absolute confirmation that the disability is, in fact, total and permanent. Still, things become much easier and transparent when you know you better understand the criteria for a claim to be accepted.

Here is the list of criteria that needs to be met for a TPD claim to be accepted:


Disability Needs To Be Total and Permanent

Your total and permanent disability claim will only get approved if you are unable to return to either your previous job or any other work. The condition must be as critical as losing a limb, hearing loss, loss of sight, some mental health disorders or speech impairment.

However, you won’t have to prove that you are not at fault for your injury or illness; but you must show that your disability is severe enough to affect your employment.


Waiting Time Must Be Met

Unlike income protection and trauma insurance, TPD insurance does not have a waiting period of 30, 60, or 90 days. The only time restriction that applies to the policy is the amount of time you must be unable to work before you can claim on your TPD policy – this is usually three, six or twelve months. This waiting period allows the insurers to determine the full extent of your condition and whether it can stabilise or improve over time.


If you are claiming on a TPD policy, you will need to wait until you have absolute confirmation that the disability is, in fact, total and permanent.


Prove Your Work History

Proving a detailed work history pre-and post-injury or illness is crucial to claim total and permanent disability insurance. You usually have to be employed full-time for a year before the claim, or you must be employed at the time of claim, or you must have worked at a minimum number of hours to be able to make a claim. This condition varies between the insurers, but the proof is a must for all.


Comply With The Ongoing Medical Treatment

You must maintain regular appointments with the doctors to make a TPD claim. If you are not putting enough effort into your rehabilitation, that might create a problem in your claim procedure.

Suffering from a condition and losing a job is stressful. For the smooth claiming process, you need to buy TPD insurance from a great insurance provider such as Aspect Underwriting, who treat your problems like their own. The Aspect TPD insurance claim process is simple and hassle-free.

All you have to do is download and print the TPD claim form, fill in the details and send it to the Aspect Underwriting claim centre. As soon as they receive your claim, they will get back to you.

If you haven’t bought a policy yet because you are worried about the claiming process, contact Aspect Underwriting or simply get a TPD insurance quote online today.

Mike Wallis

Mike has over 25 years experience, having spent his first seven years working as a Broker at Jardine Lloyd Thomson in Melbourne and in 2002 was transferred to JLT’s Accident and Health Department in London. For four years (2002 – 2005) Mike was a specialist A&H Lloyd’s Broker and during this time developed excellent relationships with the Lloyd’s A&H underwriting fraternity. In 2006 he returned to Australia in a senior broking position with overall responsibility for Placement Strategy, including the implementation of underwriting facilities and the various authorities granted by Lloyd’s. Mike was the underwriter at two specialist Underwriting Agencies prior to founding Aspect Underwriting in 2016.