Total Permanent Disability (TPD)

Total and permanent disability claims through superannuation and standalone insurance policies. How the disability definitions work, what a payout involves, and what to do when a claim is declined.

TPD Claims for SES and Emergency Services Workers

SES TPD claims require careful identification of the insurance involved. Volunteer service, paid employment and any separate volunteer or accident arrangements should not be treated as interchangeable sources of cover. If illness or injury has affected your ability to work, check any TPD insurance held through your superannuation, paid employment or a separate personal policy.

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Total Permanent Disability (TPD)

TPD Claims for Paramedics and Ambulance Officers

TPD claims for paramedics depend on the insurance held and whether the evidence meets the applicable policy requirements. Leaving ambulance duties because of illness or injury does not, by itself, establish eligibility. Depending on your cover, the assessment may consider whether you are unlikely ever to work again in an occupation reasonably suited to your

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Total Permanent Disability (TPD)