Can I make a TPD claim for PTSD?
Did you know mental illness is considered the third leading cause of disability in Australia? Each year, approximately one in every five Australians will experience a mental illness. One particular illness that isn’t discussed regularly, however, is Post-traumatic Stress Disorder (PTSD) and how it can affect an individual’s ability to manage employment.
Many of the common symptoms associated with PSTD (eg. irritability, sleep disturbances, or difficulty concentrating) can have a significant impact on the lives of those experiencing the illness and their ability to manage employment. Fortunately, the overwhelming increase of mental illness diagnoses has led to an increased awareness amongst insurers about mental health disability, but often times it can be difficult to get cover for such claims.
This is one of the reasons why it’s important to talk about the support that is available for those suffering from mental illness, and what may or may not make them eligible for total and permanent disability insurance.
Does my super cover TPD claims?
What many people don’t know is that the automatic insurance provided through your superannuation fund will often pay out much-needed funds if you cease work due to a mental health condition. A very high percentage of Australians have TPD insurance as part of their super without realising it.
Am I eligible to make a TPD claim?
There are several criteria an individual must meet before consideration for a TPD claim. These include:
- an inability to work due to illness or injury
- gainable employment has ceased because of this condition
- the individual is under 65 years of age when active employment ceased
- a valid TPD insurance policy covered the individual on the date they stopped work
What will my insurer take into account when I make a TPD claim for mental illness?
To succeed in your claim, you’re usually required to provide medical evidence supporting that you’re unable to return to the occupation you’re suited for by education or training. While making a TPD claim on the grounds of mental illness in Australia can be a challenge, many who have received regular treatment from their GP, psychologist, and/or psychiatrist will be successful in providing the requisite evidence needed to support a TPD claim.
How can Life Matters Claims support me in making my TPD claim?
Making a TPD claim on the grounds of being diagnosed with a mental disorder can be a drawn-out and lengthy process. That’s why we’re dedicated to helping you gather all necessary documentation, such as existing medical reports, to ensure your case is strong and ready to go. At Life Matters Claims our role is simple, we help to remove the stress of managing your Total Permanent Disability claim. We are advocates that manage your claim from start to finish and have a 100% success rate for all our clients’ claims to date.
Get in touch today to learn more about how we can help you with your TPD claim.