What is the claims process for TPD insurance?

The TPD claims process is comprehensive and typically takes 6-12 months from submission to payout. First, notify your insurer as soon as you believe you meet the TPD definition - don't wait until the waiting period ends. Your insurer will send claim forms including a claimant statement (your personal account), medical attendant's statement (from your doctor), and employer statement. You'll need to provide detailed medical evidence from all treating practitioners, including specialists, showing your condition is permanent and prevents you from working. The insurer assesses whether you meet the specific policy definition of total and permanent disability. This usually involves an assessment period of up to 6 months after receiving all documents. The claim then goes to the trustee (for super policies) for determination, taking another 1-2 months. If approved, payment is typically made as a lump sum. For super-based policies, the benefit is allocated to your super account first, then you can request withdrawal. Throughout the process, maintain regular contact with your insurer, keep copies of all documents submitted, and continue medical treatment to demonstrate ongoing disability.