Is Depression Grounds For Making a Superannuation TPD Claims?

While most people understand that catastrophic injuries like spinal and head trauma qualify for Total and Permanent Disability (TPD) claims through their superannuation, many don’t realise how significant this safety net can be when facing life-altering medical conditions.This cover can also extend to psychological conditions such as depression that significantly impact a person’s quality of life. Anyone affected should understand the options available, particularly if their condition prevents them from completing everyday tasks.
Total and Permanent Disability Claims Experts Australia Wide

Understanding Depression and Disability

According to Beyond Blue, depression is the most common form of disability and will affect one in six Australians at some point in their lives. At any given time, approximately one million Australians live with depression, while another two million experience anxiety.

Symptoms such as fatigue, difficulty concentrating, agitation, sleep disturbances, feelings of helplessness, and suicidal thoughts can significantly impair a person’s ability to work.

TPD Claims for Depression

Individuals suffering from depression may be eligible to lodge a TPD claim through their superannuation if they are unable to work.

While many TPD claims arise from physical accidents, psychological conditions without a single identifiable cause, such as depression, can still form valid grounds for a claim.

Making a Claim

Time limits apply to TPD claims and generally commence from the date of diagnosis. Seeking legal advice early is crucial to protecting your entitlement.

If severe depression has prevented you from working for six months or more, speak with an experienced compensation lawyer about making a claim under your TPD insurance.