If you have Total and Permanent Disablement cover, and meet the eligibility criteria, you can submit a claim. Usually the part of the TPD definition you’re assessed under depends on how many hours you work a week, or your employment status. Generally for AMP policies:
If you held TPD cover before 1 December 2021 and the date of your disability was also prior to this date, and you were working under 10 or 15 hours per week (depending on your product), then generally your claim would be assessed under a more restrictive definition known as the activities of daily living (ADL) part. If you hold TPD cover and the date of your disability is on or after 1 December, then:
o   if you worked at any time in the 16 months before your disability, you’d be assessed based on your ability to work in any occupation for which you are suited by education, training or experience.
o   if you didn’t work at any time in the 16 months or more before your disability, then you’ll be assessed based on your ability to perform those basic activities associated with work.
There will also be other parts of the TPD definition that the insurer may assess you against (and not the above), based on your disability – these may include loss of limbs and/or sight, cognitive impairment and listed disabilities (such as quadriplegia). If you have insurance through AMP super, you can see your TPD definition in your insurance guide or plan summary.
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