Many superannuation policies allow workers to make a total and permanent disability (TPD) claim if they are unable to return to work due to a serious ongoing injury or illness. Compensation will usually take the form of a lump sum payment. Depending on the terms of the policy, this may also cover mental illnesses like depression, post-traumatic stress disorder (PTSD) and anxiety disorders.

How do you know if you’re covered for mental illness?

Superannuation policies will have a product disclosure statement, which can be checked to see if mental illness is included in the TPD coverage. If you’re unsure whether you’re covered or not, you can check your super’s policy disclosure statement to see the details.

How successful are TPD claims for mental illness?

Making a successful TPD claim requires strong evidence that proves you’re unable to return to work because of the personal injury or illness you have suffered. For mental illness claims, the bar for evidence is set high and many TPD claims of this kind are often disputed. An experienced superannuation lawyer will be able to advise you on the merits of your case and your chances for success.

What types of mental illness are covered by TPD?

To qualify for TPD compensation, you’ll need to meet the requirements that apply to your specific superannuation policy. Typically, serious mental illnesses are covered, such as major depressive disorders, anxiety and post-traumatic stress disorders.

Post-traumatic stress disorder (PTSD) is a range of severe stress reactions that can occur after witnessing or experiencing a traumatic event or events. Severe feelings of fear, anger or grief can last for a long time, leaving sufferers unable to work and go about their normal lives.

Depression is a debilitating disorder that can be characterised by long-lasting feelings of sadness, apathy, and other negative emotions. Signs of depression can include loss of energy and motivation, increased alcohol and drug use, feelings of worthlessness and guilt, and thoughts about suicide or death.

Anxiety includes intense feelings of fear, worry and distress about perceived threats. Sufferers can feel worried and afraid for long periods of time, displaying signs of panic, nervousness and agitation. Symptoms can include difficulties with sleeping, stomach aches, dizziness and a pounding heart.

If you are experiencing any of these mental illnesses, it’s important to know that you can get help to overcome them. For more information on mental illness and its treatment see the Black Dog Institute’s website here.

How do you make a claim for TPD?

To make a TPD claim, you will need to fill out a claim form and provide your super fund with supporting information, including details on your work experience, education, financial records and medical evidence that supports your claim. At this stage, it’s vital to get the right advice on how to fill out your form to present the strongest case for the compensation you need. Our experienced TPD lawyers are able to assist you at every stage of the claims process to maximise your chances for a successful outcome.

Talk to an experienced TPD claims lawyer

TPD claims for mental illness require persuasive evidence and are often disputed by superannuation and insurance companies. Our experienced team of TPD claims lawyers are able to assess your chances for success and give you the right advice on how to proceed.