{"id":4457,"date":"2026-10-17T08:35:38","date_gmt":"2026-10-16T22:35:38","guid":{"rendered":"https:\/\/invictushealth.com.au\/?p=4457"},"modified":"2026-10-17T09:08:14","modified_gmt":"2026-10-16T23:08:14","slug":"tpd-claim-psychological-report-pathway","status":"publish","type":"post","link":"https:\/\/invictushealth.com.au\/zh_tw\/resources\/tpd-claim-psychological-report-pathway\/","title":{"rendered":"How a TPD claim works, and where psychological reports fit"},"content":{"rendered":"<p>[et_pb_section _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; module_class=&#8221;ih-post&#8221; custom_padding=&#8221;24px||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; max_width=&#8221;800px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;  global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<style>.ih-post a{text-decoration:underline;text-underline-offset:2px}.ih-post a:hover{color:#D89B2A}.ih-post ul,.ih-post ol{padding-left:1.4em;margin-bottom:1.2em}.ih-post li{margin-bottom:.45em}.ih-post h2{margin-top:1.6em;padding-bottom:.35em}.ih-post h3{margin-top:1.2em;padding-bottom:.3em}.ih-post table{width:100%;border-collapse:collapse;margin:1em 0 1.6em;font-size:15px;background:#fff;border-radius:12px;overflow:hidden}.ih-post th{background:#1C386D;color:#fff;text-align:left;padding:10px 12px;font-weight:600}.ih-post td{padding:10px 12px;border-top:1px solid #E8EBF0;vertical-align:top}.ih-post blockquote{border-left:4px solid #D89B2A;background:#fff;padding:16px 20px;border-radius:0 12px 12px 0;margin:1.2em 0}.ih-keypoints ul{list-style:none!important;padding-left:0!important}.ih-keypoints li{list-style:none!important}.ih-keypoints li{position:relative;padding-left:30px}.ih-keypoints li:before{content:\"\";position:absolute;left:0;top:.55em;width:14px;height:14px;border-radius:50%;background:#D89B2A}.ih-post ol{list-style:decimal!important}.ih-post ol>li{list-style-type:inherit!important}.ih-refs ol{font-size:14px;line-height:1.6}.ih-refs li{word-break:break-word}.ih-post h4{font-size:19px;font-weight:600;line-height:1.35;color:#172C57;margin-top:1.2em;padding-bottom:.3em}.ih-related a{display:block;background:#fff;border:1px solid #E8EBF0;border-radius:12px;padding:14px 18px;margin-bottom:10px;text-decoration:none;font-weight:600}.ih-related a:hover{border-color:#D89B2A;color:#1C386D}.ih-cta p{color:#fff}@media(max-width:600px){.ih-post table{display:block;overflow-x:auto}}.ih-post ol.ih-jm{list-style:none!important;padding:0!important;margin:1.2em 0 1.8em;position:relative}.ih-jm>li{list-style:none!important;position:relative;padding:0 0 18px 58px;margin:0}.ih-jm>li:before{content:\"\";position:absolute;left:19px;top:40px;bottom:0;width:2px;background:#E1C58F}.ih-jm>li:last-child:before{display:none}.ih-jm-n{position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:#1C386D;color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-size:17px}.ih-jm-card{background:#fff;border:1px solid #E8EBF0;border-radius:14px;padding:16px 18px}.ih-post .ih-jm-t{margin:0!important;padding:0 0 4px!important;font-size:19px!important;font-weight:600!important;line-height:1.35!important;color:#172C57!important}.ih-jm-when{display:inline-block;font-size:13px;font-weight:600;color:#7A520F;background:#FBF1DC;border-radius:999px;padding:2px 10px;margin-bottom:10px}.ih-jm-cols{display:grid;grid-template-columns:1fr 1fr;gap:12px}.ih-jm-cols>div{background:#F6F8FB;border-radius:10px;padding:10px 12px;font-size:15px;line-height:1.6}.ih-jm-cols b{display:block;font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:#55607A;margin-bottom:2px}.ih-jm-cols p{padding:0!important;margin:0}@media(max-width:640px){.ih-jm-cols{grid-template-columns:1fr}.ih-jm>li{padding-left:50px}.ih-jm-n{width:34px;height:34px;font-size:15px}.ih-jm>li:before{left:16px;top:34px}}.ih-note{background:#FBF1DC;border-left:4px solid #D89B2A;border-radius:0 12px 12px 0;padding:14px 18px;margin:1.2em 0}.ih-note p{padding:0!important;margin:0 0 .4em}.ih-note p:last-child{margin:0}.ih-themes{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:14px;margin:1em 0 1.6em}.ih-theme{background:#fff;border:1px solid #E8EBF0;border-top:4px solid #D89B2A;border-radius:12px;padding:16px 18px}.ih-post .ih-theme-t{margin:0!important;padding:0 0 6px!important;font-size:18px!important;font-weight:600!important;line-height:1.35!important;color:#172C57!important}.ih-theme ul{margin:0!important;padding-left:1.1em!important}.ih-compare td:first-child{font-weight:600;width:28%}<\/style>\n<p>[\/et_pb_code][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_text_color=&#8221;#172C57&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.75em&#8221; header_2_font=&#8221;Montserrat|600|||||||&#8221; header_2_text_color=&#8221;#172C57&#8243; header_2_font_size=&#8221;26px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;Montserrat|600|||||||&#8221; header_3_text_color=&#8221;#172C57&#8243; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.35em&#8221; link_text_color=&#8221;#1C386D&#8221; text_font_size=&#8221;19px&#8221; text_line_height=&#8221;1.7em&#8221; custom_margin=&#8221;0px||32px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Most super funds automatically include total and permanent disability (TPD) insurance for members aged 25 and over who have at least $6,000 in their account. If an illness or injury means you cannot work again, a TPD claim may pay a lump sum.<\/p>\n<p>When the illness is a brain injury or a mental health condition, a psychological or neuropsychological report can help explain how it affects your ability to work. Below, each step of a claim is mapped out, with where reports fit and your rights along the way.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_text_color=&#8221;#172C57&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.75em&#8221; header_2_font=&#8221;Montserrat|600|||||||&#8221; header_2_text_color=&#8221;#172C57&#8243; header_2_font_size=&#8221;26px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;Montserrat|600|||||||&#8221; header_3_text_color=&#8221;#172C57&#8243; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.35em&#8221; link_text_color=&#8221;#1C386D&#8221; module_class=&#8221;ih-keypoints&#8221; header_2_font_size=&#8221;22px&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;28px|32px|20px|32px|false|false&#8221; custom_margin=&#8221;0px||16px||false|false&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; border_width_left=&#8221;4px&#8221; border_color_left=&#8221;#D89B2A&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Key points<\/h2>\n<ul>\n<li>TPD insurance pays a lump sum if an illness or injury leaves you permanently unable to work. Most super funds include it automatically from age 25, once your balance reaches $6,000.<\/li>\n<li>Policies use different definitions, such as unable to do your own job, or unable to do any job suited to your education, training or experience.<\/li>\n<li>Insurers also usually ask for medical reports. They may also arrange an independent examination, which they pay for.<\/li>\n<li>Under the Life Insurance Code, lump sum claims should generally be decided within 6 months.<\/li>\n<li>If your claim is declined, you can complain to your fund and then to AFCA for free. Strict time limits apply.<\/li>\n<\/ul>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_text_color=&#8221;#172C57&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.75em&#8221; header_2_font=&#8221;Montserrat|600|||||||&#8221; header_2_text_color=&#8221;#172C57&#8243; header_2_font_size=&#8221;26px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;Montserrat|600|||||||&#8221; header_3_text_color=&#8221;#172C57&#8243; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.35em&#8221; link_text_color=&#8221;#1C386D&#8221;  global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>The TPD claim path at a glance<\/h2>\n<p>Every claim is different. Even so, this is the usual path for a TPD claim through super.<\/p>\n<ol class=\"ih-jm\" aria-label=\"TPD claim steps\">\n<li><span class=\"ih-jm-n\" aria-hidden=\"true\">1<\/span>\n<div class=\"ih-jm-card\">\n<h4 class=\"ih-jm-t\">Stopping work<\/h4>\n<p><span class=\"ih-jm-when\">After an illness or injury<\/span><\/p>\n<div class=\"ih-jm-cols\">\n<div><b>What happens<\/b><\/p>\n<p>A brain injury, mental health condition or other illness means you cannot keep working, or may never return to your usual job.<\/p>\n<\/div>\n<div><b>What you can do<\/b><\/p>\n<p>Look at your super statement or call your fund to check whether you have TPD cover and which definition applies.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<li><span class=\"ih-jm-n\" aria-hidden=\"true\">2<\/span>\n<div class=\"ih-jm-card\">\n<h4 class=\"ih-jm-t\">Getting advice<\/h4>\n<p><span class=\"ih-jm-when\">Early<\/span><\/p>\n<div class=\"ih-jm-cols\">\n<div><b>What happens<\/b><\/p>\n<p>TPD claims can be complex. For this reason, many people get help from a lawyer, a community legal centre or a financial counsellor.<\/p>\n<\/div>\n<div><b>What you can do<\/b><\/p>\n<p>Call the National Debt Helpline on 1800 007 007 for free financial counselling. Also ask about time limits early.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<li><span class=\"ih-jm-n\" aria-hidden=\"true\">3<\/span>\n<div class=\"ih-jm-card\">\n<h4 class=\"ih-jm-t\">Lodging the claim<\/h4>\n<p><span class=\"ih-jm-when\">Through your super fund<\/span><\/p>\n<div class=\"ih-jm-cols\">\n<div><b>What happens<\/b><\/p>\n<p>Your fund gives you claim forms. The insurer usually asks for reports from your treating doctors and information from your employer.<\/p>\n<\/div>\n<div><b>What you can do<\/b><\/p>\n<p>Keep copies of everything you send. Then ask the insurer what evidence it needs.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<li><span class=\"ih-jm-n\" aria-hidden=\"true\">4<\/span>\n<div class=\"ih-jm-card\">\n<h4 class=\"ih-jm-t\">Medical and psychological evidence<\/h4>\n<p><span class=\"ih-jm-when\">While the claim is assessed<\/span><\/p>\n<div class=\"ih-jm-cols\">\n<div><b>What happens<\/b><\/p>\n<p>The insurer may ask your doctors for reports, or arrange an independent medical examination and pay for it. Your lawyer may also arrange an independent psychological or neuropsychological report.<\/p>\n<\/div>\n<div><b>What you can do<\/b><\/p>\n<p>You can ask the insurer for a list of practitioners to choose from, and for a copy of the report.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<li><span class=\"ih-jm-n\" aria-hidden=\"true\">5<\/span>\n<div class=\"ih-jm-card\">\n<h4 class=\"ih-jm-t\">The assessment<\/h4>\n<p><span class=\"ih-jm-when\">Several hours, with breaks<\/span><\/p>\n<div class=\"ih-jm-cols\">\n<div><b>What happens<\/b><\/p>\n<p>We read the referral questions and your records. Then we interview you about your health, work and daily life, and you complete tasks on memory, attention and thinking. Validity checks are also routine for everyone.<\/p>\n<\/div>\n<div><b>What you can do<\/b><\/p>\n<p>Bring glasses, hearing aids and a list of medicines. Also tell us about pain, fatigue or the need for an interpreter.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<li><span class=\"ih-jm-n\" aria-hidden=\"true\">6<\/span>\n<div class=\"ih-jm-card\">\n<h4 class=\"ih-jm-t\">The report<\/h4>\n<p><span class=\"ih-jm-when\">Usually 2 to 3 weeks later<\/span><\/p>\n<div class=\"ih-jm-cols\">\n<div><b>What happens<\/b><\/p>\n<p>The report answers the questions asked: your thinking skills and mental health, the likely causes, treatment needs, outlook, and what this means for work.<\/p>\n<\/div>\n<div><b>What you can do<\/b><\/p>\n<p>The report goes to whoever asked for it, such as your lawyer or the insurer.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<li><span class=\"ih-jm-n\" aria-hidden=\"true\">7<\/span>\n<div class=\"ih-jm-card\">\n<h4 class=\"ih-jm-t\">The decision<\/h4>\n<p><span class=\"ih-jm-when\">The Code says within 6 months<\/span><\/p>\n<div class=\"ih-jm-cols\">\n<div><b>What happens<\/b><\/p>\n<p>The insurer decides the claim. The Life Insurance Code says lump sum claims should be decided within 6 months of the claim being received.<\/p>\n<\/div>\n<div><b>What you can do<\/b><\/p>\n<p>If the claim is declined, complain to your fund first. If you are still unhappy, AFCA offers free dispute resolution.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/li>\n<\/ol>\n<h2>What TPD insurance is<\/h2>\n<p>Moneysmart, the government&#8217;s money guidance website, explains that TPD insurance pays a lump sum if an illness or injury leaves you permanently unable to work. It is also often held inside your super. Moneysmart&#8217;s page on insurance through super adds that most funds give it automatically if you are 25 or over and have at least $6,000 in super. In that case, premiums come out of your super balance.<\/p>\n<p>However, each policy has its own definition of disability. Two common types are:<\/p>\n<table class=\"ih-compare\">\n<thead>\n<tr>\n<th>Definition<\/th>\n<th>What it usually means<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Own occupation<\/td>\n<td>You are unable to work again in the job you did before your disability.<\/td>\n<\/tr>\n<tr>\n<td>Any occupation<\/td>\n<td>You are unable to ever work again in any job suited to your education, training or experience.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Moneysmart notes that own occupation cover costs more and is usually only available outside super. The insurer applies the wording in your policy, which is why the questions in a report matter so much.<\/p>\n<h2>Where a psychological or neuropsychological report fits in a TPD claim<\/h2>\n<p>Insurers make TPD decisions based on medical evidence. However, a psychologist or neuropsychologist does not decide whether you meet the policy definition. Instead, their job is to give a fair, independent opinion that helps the insurer, and anyone reviewing the decision, understand your situation.<\/p>\n<p>A report may describe:<\/p>\n<ul>\n<li>your thinking skills, such as memory, attention, speed of thinking and problem solving<\/li>\n<li>your mental health and how it affects daily life<\/li>\n<li>what is likely causing your difficulties, such as a brain injury, pain, medication or mood<\/li>\n<li>treatment you have had, and what else might help<\/li>\n<li>your likely outlook<\/li>\n<li>what your results mean for the demands of work, including jobs suited to your education, training and experience<\/li>\n<\/ul>\n<p>A report is most useful when the questions are clear. If a lawyer refers you, they will usually set out the questions the report should answer.<\/p>\n<h2>Your rights during a TPD claim<\/h2>\n<p>Life insurers that subscribe to the Life Insurance Code of Practice make commitments to claimants. They include:<\/p>\n<ul>\n<li>If the insurer arranges an independent medical examination, it pays for the appointment and the report.<\/li>\n<li>You can also ask for a list of practitioners to choose from.<\/li>\n<li>Where possible, the insurer avoids asking for more than one examination by the same type of practitioner within 6 months.<\/li>\n<li>Lump sum claims should be decided within 6 months of the claim being received.<\/li>\n<li>For people with a mental health condition, insurers commit to treat you with empathy, compassion and respect, to not discourage you from claiming, and to work with you if you have trouble providing information.<\/li>\n<\/ul>\n<p>The Code binds insurers. It does not automatically bind super fund trustees, unless they have adopted it.<\/p>\n<h2>If your TPD claim is declined<\/h2>\n<p>ASIC says to complain to your super fund trustee first. If you are not happy with the response, the Australian Financial Complaints Authority (AFCA) offers free, independent dispute resolution on 1800 931 678. Strict time limits apply to TPD complaints, so check with AFCA or a lawyer as soon as you can.<\/p>\n<div class=\"ih-note\">\n<p>TPD insurance and early release of super are different. In fact, accessing your own super early on permanent incapacity grounds is a separate process through your fund, with its own rules and medical certificates.<\/p>\n<p>This article is general information, not legal or financial advice. So please get advice about your own situation.<\/p>\n<\/div>\n<h2>How Invictus Health can help<\/h2>\n<p>Our psychologists and neuropsychologists provide <a href=\"\/medico-legal-assessments\/\">medico-legal assessments<\/a>, including reports for TPD claims through super and other insurance claims. We answer the questions asked, with our reasons. Neuropsychology reports are also reviewed by Dr Judy Tang OAM.<\/p>\n<p>Fees for medico-legal reports start from $3,300 including GST, and may be higher for complex cases. Depending on the claim, the fee may be paid by you, your lawyer or an insurer. However, Medicare does not cover medico-legal assessments. For lawyers and other referrers, our <a href=\"\/refer-a-client\/\">referral guide<\/a> explains how to send a referral and documents securely.<\/p>\n<p>If cost is a barrier, please talk to us. We have these conversations all the time, and it&#8217;s OK to ask.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; module_class=&#8221;ih-post&#8221; custom_padding=&#8221;0px||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; max_width=&#8221;800px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;  global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Frequently asked questions&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;0d2e527a-4607-4ae2-8846-c79e0fe77b57&#8243; title_text_align=&#8221;left&#8221; title_font_size=&#8221;30px&#8221; title_font_size_phone=&#8221;26px&#8221; custom_margin=&#8221;||24px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_toggle title=&#8221;Do I need a psychological report for a TPD claim?&#8221; open_toggle_text_color=&#8221;#0b162b&#8221; icon_color=&#8221;#0b162b&#8221; open_icon_color=&#8221;#0b162b&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;3c819e1c-a1df-44e0-b295-91df504cac97&#8243; title_text_color=&#8221;#0b162b&#8221; body_text_color=&#8221;#0b162b&#8221; body_font_size=&#8221;16px&#8221; custom_margin=&#8221;||16px||false|false&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{%22gcid-b0086ec0-695e-4e66-9415-2f92abceb706%22:%91%22background_color%22%93,%22gcid-primary-color%22:%91%22icon_color%22,%22title_text_color%22,%22open_toggle_text_color%22%93}&#8221;]<\/p>\n<p>It depends on your claim. Insurers usually ask for medical reports from your treating doctors, and may arrange their own independent examination. When a claim involves a brain injury or a mental health condition, a psychological or neuropsychological report can help explain how it affects your ability to work. Also, a lawyer can advise whether one would help.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;Who pays for an independent medical examination in a TPD claim?&#8221; open_toggle_text_color=&#8221;#0b162b&#8221; icon_color=&#8221;#0b162b&#8221; open_icon_color=&#8221;#0b162b&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;3c819e1c-a1df-44e0-b295-91df504cac97&#8243; title_text_color=&#8221;#0b162b&#8221; body_text_color=&#8221;#0b162b&#8221; body_font_size=&#8221;16px&#8221; custom_margin=&#8221;||16px||false|false&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{%22gcid-b0086ec0-695e-4e66-9415-2f92abceb706%22:%91%22background_color%22%93,%22gcid-primary-color%22:%91%22icon_color%22,%22title_text_color%22,%22open_toggle_text_color%22%93}&#8221;]<\/p>\n<p>Under the Life Insurance Code of Practice, if the insurer arranges an independent medical examination, it pays for the appointment and the report. If you or your lawyer arrange your own report, the fee is usually paid by you or your lawyer.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;How long does a TPD claim take?&#8221; open_toggle_text_color=&#8221;#0b162b&#8221; icon_color=&#8221;#0b162b&#8221; open_icon_color=&#8221;#0b162b&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;3c819e1c-a1df-44e0-b295-91df504cac97&#8243; title_text_color=&#8221;#0b162b&#8221; body_text_color=&#8221;#0b162b&#8221; body_font_size=&#8221;16px&#8221; custom_margin=&#8221;||16px||false|false&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{%22gcid-b0086ec0-695e-4e66-9415-2f92abceb706%22:%91%22background_color%22%93,%22gcid-primary-color%22:%91%22icon_color%22,%22title_text_color%22,%22open_toggle_text_color%22%93}&#8221;]<\/p>\n<p>The Life Insurance Code says lump sum claims, such as TPD, should generally be decided within 6 months of the claim being received. Even so, gathering medical evidence often takes much of that time.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;What is the difference between own occupation and any occupation TPD?&#8221; open_toggle_text_color=&#8221;#0b162b&#8221; icon_color=&#8221;#0b162b&#8221; open_icon_color=&#8221;#0b162b&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;3c819e1c-a1df-44e0-b295-91df504cac97&#8243; title_text_color=&#8221;#0b162b&#8221; body_text_color=&#8221;#0b162b&#8221; body_font_size=&#8221;16px&#8221; custom_margin=&#8221;||16px||false|false&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{%22gcid-b0086ec0-695e-4e66-9415-2f92abceb706%22:%91%22background_color%22%93,%22gcid-primary-color%22:%91%22icon_color%22,%22title_text_color%22,%22open_toggle_text_color%22%93}&#8221;]<\/p>\n<p>Own occupation cover usually means you cannot work again in the job you did before. Any occupation cover usually means you cannot ever work again in any job suited to your education, training or experience. So check the exact wording in your policy.<\/p>\n<p>[\/et_pb_toggle][et_pb_toggle title=&#8221;What can I do if my TPD claim is declined?&#8221; open_toggle_text_color=&#8221;#0b162b&#8221; icon_color=&#8221;#0b162b&#8221; open_icon_color=&#8221;#0b162b&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;3c819e1c-a1df-44e0-b295-91df504cac97&#8243; title_text_color=&#8221;#0b162b&#8221; body_text_color=&#8221;#0b162b&#8221; body_font_size=&#8221;16px&#8221; custom_margin=&#8221;||16px||false|false&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{%22gcid-b0086ec0-695e-4e66-9415-2f92abceb706%22:%91%22background_color%22%93,%22gcid-primary-color%22:%91%22icon_color%22,%22title_text_color%22,%22open_toggle_text_color%22%93}&#8221;]<\/p>\n<p>Complain to your super fund first. If you are not happy with the response, contact the Australian Financial Complaints Authority (AFCA) on 1800 931 678. It is free. Strict time limits apply, so act early and consider legal advice.<\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||40px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; max_width=&#8221;800px&#8221; background_color=&#8221;gcid-primary-color&#8221; custom_padding=&#8221;44px|40px|44px|40px|true|true&#8221; border_radii=&#8221;on|16px|16px|16px|16px&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22background_color%22%93}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Need a report for a TPD claim?&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_font=&#8221;Montserrat|600|||||||&#8221; title_text_color=&#8221;#FFFFFF&#8221; title_font_size=&#8221;28px&#8221; title_line_height=&#8221;1.3em&#8221; title_text_align=&#8221;center&#8221; custom_margin=&#8221;||12px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_text_color=&#8221;#FFFFFF&#8221; text_font_size=&#8221;17px&#8221; text_orientation=&#8221;center&#8221; module_class=&#8221;ih-cta&#8221; custom_margin=&#8221;||20px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Lawyers, insurers and individuals can contact us to discuss a psychological or neuropsychological assessment.<\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/contact-us\/&#8221; button_text=&#8221;Contact us&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;0029f5c3-2d88-4291-9b82-fcc9a95d1c64&#8243; button_border_width=&#8221;0px&#8221; custom_padding=&#8221;10px|28px|10px|28px|true|true&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; module_class=&#8221;ih-post&#8221; custom_padding=&#8221;0px||56px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; width=&#8221;90%&#8221; max_width=&#8221;800px&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;  global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_text_color=&#8221;#172C57&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.75em&#8221; header_2_font=&#8221;Montserrat|600|||||||&#8221; header_2_text_color=&#8221;#172C57&#8243; header_2_font_size=&#8221;26px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;Montserrat|600|||||||&#8221; header_3_text_color=&#8221;#172C57&#8243; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.35em&#8221; link_text_color=&#8221;#1C386D&#8221; module_class=&#8221;ih-refs&#8221; custom_margin=&#8221;||28px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>References<\/h2>\n<ol>\n<li>Moneysmart (ASIC). Total and permanent disability (TPD) insurance. Updated 2026. <a href=\"https:\/\/moneysmart.gov.au\/how-life-insurance-works\/total-and-permanent-disability-tpd-insurance\" target=\"_blank\" rel=\"noopener\">moneysmart.gov.au\/how-life-insurance-works\/total-and-perma\u2026<\/a><\/li>\n<li>Moneysmart (ASIC). Insurance through super. Updated 2026. <a href=\"https:\/\/moneysmart.gov.au\/how-life-insurance-works\/insurance-through-super\" target=\"_blank\" rel=\"noopener\">moneysmart.gov.au\/how-life-insurance-works\/insurance-throu\u2026<\/a><\/li>\n<li>Moneysmart (ASIC). Making a life insurance claim. Updated 2026. <a href=\"https:\/\/moneysmart.gov.au\/how-life-insurance-works\/making-a-life-insurance-claim\" target=\"_blank\" rel=\"noopener\">moneysmart.gov.au\/how-life-insurance-works\/making-a-life-i\u2026<\/a><\/li>\n<li>Council of Australian Life Insurers. Life Insurance Code of Practice. Effective 1 March 2025. <a href=\"https:\/\/cali.org.au\/life-code\/\" target=\"_blank\" rel=\"noopener\">cali.org.au\/life-code\/<\/a><\/li>\n<li>ASIC. Disputes about life insurance. <a href=\"https:\/\/www.asic.gov.au\/about-asic\/contact-us\/how-to-complain\/disputes-about-life-insurance\/\" target=\"_blank\" rel=\"noopener\">asic.gov.au\/about-asic\/contact-us\/how-to-complain\/disputes\u2026<\/a><\/li>\n<li>Australian Financial Complaints Authority. Insurance complaints. <a href=\"https:\/\/afca.org.au\/make-a-complaint\/insurance\" target=\"_blank\" rel=\"noopener\">afca.org.au\/make-a-complaint\/insurance<\/a><\/li>\n<li>Moneysmart (ASIC). Financial counselling. <a href=\"https:\/\/moneysmart.gov.au\/managing-debt\/financial-counselling\" target=\"_blank\" rel=\"noopener\">moneysmart.gov.au\/managing-debt\/financial-counselling<\/a><\/li>\n<li>Australian Taxation Office. When you can access your super early. <a href=\"https:\/\/www.ato.gov.au\/Individuals\/Super\/Withdrawing-and-using-your-super\/Early-access-to-super\/When-you-can-access-your-super-early\/\" target=\"_blank\" rel=\"noopener\">ato.gov.au\/Individuals\/Super\/Withdrawing-and-using-your-su\u2026<\/a><\/li>\n<\/ol>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;Montserrat||||||||&#8221; text_text_color=&#8221;#172C57&#8243; text_font_size=&#8221;16px&#8221; text_line_height=&#8221;1.75em&#8221; header_2_font=&#8221;Montserrat|600|||||||&#8221; header_2_text_color=&#8221;#172C57&#8243; header_2_font_size=&#8221;26px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_font=&#8221;Montserrat|600|||||||&#8221; header_3_text_color=&#8221;#172C57&#8243; header_3_font_size=&#8221;20px&#8221; header_3_line_height=&#8221;1.35em&#8221; link_text_color=&#8221;#1C386D&#8221; module_class=&#8221;ih-related&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Related articles<\/h3>\n<p><a href=\"\/resources\/medico-legal-neuropsychological-report-guide\/\">What makes a good medico-legal neuropsychological report? A guide for lawyers<\/a><a href=\"\/resources\/independent-medical-examination-what-to-expect\/\">Independent medical examinations (IMEs): what to expect<\/a><a href=\"\/resources\/return-to-work-assessment-pathway\/\">How a return to work assessment works, step by step<\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_code _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"FAQPage\", \"mainEntity\": &#91;{\"@type\": \"Question\", \"name\": \"Do I need a psychological report for a TPD claim?\", \"acceptedAnswer\": {\"@type\": \"Answer\", \"text\": \"It depends on your claim. 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How claims work, where psychological reports fit, and your rights.<\/p>","protected":false},"author":6,"featured_media":3044,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"categories":[184],"tags":[],"content_type":[],"class_list":["post-4457","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-capacity-medico-legal"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>TPD claim and psychological reports | Invictus Health<\/title>\n<meta name=\"description\" content=\"How a TPD claim through super works, where psychological reports fit, your rights under the Life Insurance Code, and AFCA.\" \/>\n<meta name=\"robots\" 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