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Most of the important things in the world have been accomplished by people who have kept on trying when there seemed to be no hope at all

TPD Claims in Australia


Fibromyalgia is a debilitating condition that affects many Australians and causes them to leave their jobs. Those suffering from Fibromyalgia often experience pain and other symptoms that make it difficult to focus and perform consistently at work.


In Australia, individuals with Fibromyalgia require medical and financial assistance to manage their condition. Unfortunately, Centrelink often denies disability support pensions to people with Fibromyalgia, making it a daily struggle for them. However, many Australians with Fibromyalgia may be eligible for insurance benefits from their super policies, but they may not be aware of this or how to claim it.


Fibromyalgia TPD claims from super policies have been helpful financial support for many Australians who are dealing with the challenges of managing their symptoms and treatments.


It's worth noting that 90% of Australians have this insurance included in their super fund, which means it's accessible to most people. It's important to understand that this policy was paid for while you were employed, as part of your superannuation. In the event that you are unable to work due to Fibromyalgia, other illnesses, or injuries, you are entitled to claim the insurance. A successful insurance claim can result in a lump sum payment, which can help you get the support you need to improve your quality of life. With this financial assistance, you can focus on your health and obtain the necessary support to manage your Fibromyalgia effectively.

Do people with Fibromyalgia successfully claim TPD from their super?

It can be tough to work when you're experiencing symptoms like muscle pain, fatigue, and sleeplessness.


However, to win an insurance claim, you need to prove that these symptoms are preventing you from working in your qualified job.


Fibromyalgia sufferers have successfully won Total and Permanent Disability (TPD) claims against various super policies. It's worth checking your super policy to see if you have this insurance, as it could provide a helpful boost to get you back on track.

Super insurance claims are tough to win on your own

The insurance companies often make it tough to claim and many claims are rejected in Australia. We understand their games and will help you to get your full insurance lump sum payout.

With the right help, you may be eligible for a TPD insurance lump sum or Disability Support Pension through Centrelink. It’s possible to qualify for both!

With the right medical evidence and support, you can successfully claim your insurance money.

Making a successful TPD insurance claim – The TPD claim process

Successfully claiming the insurance from your superannuation policy involves careful review of your super insurance policy and gathering medical evidence that shows you meet the policy definitions.

With the right help, you can be confident that you will get everything you are entitled to

The TPD claim process in Australia has four main steps:

  1. Confirmation of Insurance
    Each super account policy has slightly different eligibility criteria. Review all documents, deeds and clauses to understand what you are eligible for and what specific requirements your policy involves 

  2. Work History Review
    Detail your work history to outline the impact of your illness/injury on your ability to do your job. How long you worked, where you worked and what hours you worked before your condition help prove your case.

  3. Medical Specialist Documentation
    Proper detailed medical documentation is critical to a successful claim

  4. Review of Waiting Period
    Insurance policies have varying rules on how long you have to be off work in order to claim.  It is important to start the process as soon as possible. You may already be eligible to claim your insurance money and just not know it!

Where does the money come from?

  • While you were working, your employer made contributions into your superfund.

  • Your superfund took part of the money from your account each month to pay for an insurance policy against financial hardship.

  • You are eligible to claim that insurance policy now that you’ve been forced to stop working because of illness or injury.

  • Most Australians struggle to get their insurance claim approved without help. Insurance companies have procedures and paperwork that can be difficult to navigate.

  • When you are approved, you get a lump sum payment. For a rejected claim, you get nothing.

  • If you are rejected, you can reapply! Before reapplying, it’s worth getting the help you need to be successful.

If you have been forced to stop working due to injury or illness, you may have an entitlement to claim. Even if you had super insurance from 10, 15 or even 20 years ago it can be worth you to track it down and find out what you are eligible for!

If your not confident in proceeding by yourself speak with a Compensation Lawyer.

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