Total and Permanent Disability Claims (TPD)
You may be eligible for a TPD lump sum payment if you can demonstrate that you’re unable to do your regular job or any other work related to your training and experience.
This means you don’t have to prove you’re unfit for all work, just what fits your skills and experience. For example a back injury which prevents you from working as a chef, even if you’re still fit for office work.
Total and Temporary Disability Claims (TTD)
You may be eligible for TDD monthly payments if you’re unable to do your regular job for a while, whether it be three months or two years. Generally these payments can be up to 75 per cent of your normal income and is payable for two years up to the age of 65. There is a waiting period of 30 to 90 days.
In some cases, TTF payments may be offset against workers compensation, motor vehicle compensation or Centrelink payments. These payments can sometimes stop if your employment is terminated or if you receive a TPD lump sum, but not always.