What medical evidence is required for a TPD claim?

Comprehensive medical evidence is the foundation of successful TPD claims - insufficient medical evidence is the most common reason for claim rejection. You need reports from all treating healthcare providers including your GP, specialists relevant to your condition, physiotherapists, psychologists, and occupational therapists. Medical reports must clearly document your diagnosis, the onset and progression of your condition, all treatments attempted and their outcomes, your current functional limitations, and your prognosis (why the condition is permanent and unlikely to improve). Specialist medical reports should address how your condition prevents you from performing the duties of your occupation or any occupation (depending on your policy definition). Functional capacity assessments may be required, conducted by occupational therapists, measuring what physical and mental tasks you can and cannot perform. Include copies of all medical imaging, test results, hospital admission records, and medication prescriptions. Document your compliance with treatment recommendations - insurers often reject claims if you've refused recommended treatments like surgery or therapy. Reports should be recent and comprehensive, not brief or generic. Many claimants benefit from engaging TPD lawyers who can request more detailed medical reports specifically addressing the policy criteria.