Time limits are usually specified in the relevant TPD or income protection policy. To avoid any issues with time restrictions it is strongly recommended that you commence a claim as soon as you become aware of your capacitating injury or illness. Some TPD and income protection proceed to Court if there is a dispute between you and the insurer and the trustee and certain time limits will apply to when proceedings can be issued. In exceptional circumstances a claim can be made after the expiration of the strict time limits that apply.