What will my insurer consider when assessing my TPD claim?

When assessing your eligibility for a TPD claim, your insurer will look at a range of factors and make a judgement as to your fitness to work, including:

• Your level of disability;
• Whether you can perform another role or different duties with the same employer;
• Whether you can no longer reasonably perform any type of employment, or if you’re unlikely to be able to work again in your own profession;
• If you have superannuation cover;
• How long ago you were injured;
• Whether you have been continually absent from work for a certain period of time;
• Your ability to perform daily tasks and activities; and
• If you need ongoing medical care of rehabilitation.