Can I have multiple TPD insurance policies and claim on all of them?

Yes, you can hold multiple TPD insurance policies and potentially claim on all of them, as TPD insurance is not contribution-based like health insurance. You might have TPD cover through your superannuation fund, a standalone policy, coverage through your employer's group insurance scheme, and perhaps coverage bundled with a mortgage or credit card. When you become totally and permanently disabled, you can theoretically claim on every policy you hold, as long as you meet each policy's specific definition and requirements. This is sometimes called 'stacking' benefits. However, there are important considerations. Each policy will assess your claim independently against its own criteria - you might meet the 'Own Occupation' definition in one policy but not the 'Any Occupation' test in another. You must have been paying premiums on all policies when you became disabled. Some policies have coordination clauses that reduce payouts if you receive benefits from other sources, though this is less common in Australia. Be aware that holding multiple policies means paying multiple sets of premiums, which can be expensive. When applying for new policies, you must disclose existing coverage, and insurers may limit total coverage across all policies to reasonable multiples of your income. Always review all your insurance arrangements to understand total coverage and avoid being under or over-insured.