If major depression or post-traumatic stress disorder (PTSD) has stopped you working, you may be entitled to a lump sum payout or income protection payments through insurance you already have in your superannuation.
Major depressive disorder can cause severe fatigue, poor concentration, loss of motivation and difficulty managing everyday life, including work.
PTSD can develop after a traumatic event, such as a serious accident or assault. Symptoms such as flashbacks, anxiety and disturbed sleep can make working impossible.
Losing your ability to work creates financial and family pressure, particularly when you’re already managing a serious mental health condition.
At Superlaw Claims, we understand both the medical complexities of major depression and PTSD and the insurance laws affecting your rights and entitlements. We’ve helped many Australians with mental health conditions win TPD and income protection claims.
You may have more options than you realise.
Can you make a TPD claim for Major Depression or PTSD?
Yes. Both major depression and PTSD can qualify for a Total and Permanent Disability (TPD) insurance claim.
TPD insurance provides a lump sum payment if illness or injury prevents you from returning to the type of work you’ve done.
What matters is how your condition affects your ability to work, and whether you’re likely to return to the type of work you’ve done in the past.
We’ll review your situation and explain whether you’re likely to have a claim.
How can Major Depression or PTSD affect your ability to work?
Our clients usually report overwhelming fatigue, poor memory, difficulty concentrating and an inability to manage familiar tasks.
PTSD can cause flashbacks, severe anxiety, disturbed sleep and difficulty coping with stressful situations or interacting with others.
Symptoms usually fluctuate over time. You might even return to work, only to find you can’t continue.
For TPD claims, the issue isn’t simply whether you can work on a good day. It’s whether you can reliably and consistently hold down a job.
We understand how these conditions affect working capacity and how to present this evidence to insurers.
What if you have both Major Depression and PTSD?
You may experience both conditions, sometimes alongside a physical illness or injury.
Someone who stops working after a serious accident may develop PTSD or major depression while also managing ongoing physical pain.
We’ll consider the combined impact of all your medical conditions on your ability to work.
Can Major Depression and PTSD TPD claims be more difficult?
Not necessarily. We understand that mental health symptoms aren’t always visible or easily measured, but they are real.
That’s why having the right medical evidence and preparing your claim properly is crucial.
Our team understands the medical and legal issues involved. We know what evidence insurers require, how to work with your treating doctors and how to demonstrate the impact of your condition on your ability to work.
We’ve helped many people win complex mental health insurance claims.
Can you claim Income Protection for Major Depression or PTSD?
Yes. You may also have income protection insurance through your superannuation or a separate insurance policy.
Income protection replaces most of your income if illness prevents you from working.
Unlike TPD insurance, income protection doesn’t necessarily require you to show that you’ll be permanently unable to return to work.
Depending on your policy, payments may begin after a waiting period, often 30, 60 or 90 days, and continue for a period determined by your policy.
For someone who has stopped working because of major depression or PTSD, income protection may provide valuable financial support during treatment.
You may also be entitled to both income protection and TPD benefits.
Many people don’t realise they have this insurance until someone checks their insurance cover.
How does the Major Depression and PTSD TPD claims process work?
Every claim begins with understanding your situation.
At Superlaw Claims, we take the time to listen, understand your medical history and how major depression or PTSD has affected your ability to work.
We then review your insurance and assess what you could claim.
When we manage your claim, we take the stress off you by gathering the supporting evidence, including reports from your GP, psychiatrist, psychologist or other treating specialists, along with your work history.
We deal directly with your insurer and super fund, working to achieve the best possible outcome, faster.
You can focus on your health while we focus on your claim.
Better Starts Now. Take the first step.
Living with major depression or PTSD that has stopped you working can be incredibly difficult.
You don’t need to understand insurance law or know whether your condition qualifies before speaking with us.
That’s our job, and it’s a free chat.
We’ll listen to your story, review your insurance and explain what you may be entitled to.
It costs nothing to find out where you stand.
Complete our Free Claim Check or call 1300 330 542 to speak with our experienced team.
Better Starts Now.
FAQs
No. It's about how your condition affects your ability to work, the medical evidence and your insurance policy, not just your symptoms.
We'll review your circumstances and explain whether you're likely to have a claim.
Yes, you may still qualify. Periods of stability don't necessarily mean you can reliably and consistently maintain employment.
We'll consider your medical history and likely future ability to work.
You can still make a TPD claim.
We'll review your circumstances and explain your options.
Not necessarily. You can make a claim while receiving medication, counselling or other treatment.
What matters is whether the medical evidence supports your claim.
You may still have a claim.
We'll consider the combined impact of your physical and psychological conditions on your ability to work, along with your medical history and insurance cover.
No. Many Australians have TPD or income protection insurance through their super without realising they have that safety net.
This is insurance you may already be paying for, not a government benefit. We can check your cover and explain what you may be entitled to.
A rejected claim doesn't necessarily mean you're not entitled to a payout. We can advise you.
We'll review the insurer's decision, assess the evidence and explain your options. Our initial assessment is free.
No. Most TPD claims will not affect your Centrelink. TPD claims do not affect NDIS.
Some types of claims will affect Centrelink, such as income protection claims. Let us advise you on your best options.
