Is Depression a Disability in Australia?
Yes, depression can have an impact on many aspects of an individual’s life including work. The severity of depression determine if it is considered a medical disability. The symptoms of depression make it hard to focus and do your job consistently.
Depression TPD Claims are one way to access insurance money that you earned while working. Medical and financial help are both important after being forced out of work due to depressive symptoms and we know that too many people miss out on their tpd money because they have no idea they’ve earned it.
Many Australians with depression are eligible for insurance money from their super policies but most don’t know that it exists or how to claim it.
How Common is Depression in Australia?
The Australian Institute of Health and Welfare lists affective disorders as the second most common in Australia, only behind anxiety. Affective disorders, such as Depressive Episodes affect 1 in 13 people (8%).
What symptoms are related to depression?
Depression has a significant effect on an individual’s life. There are many associated symptoms.
According to Health Direct, Government health advice, some common feelings associated with Depression include:
- Sad or teary
- Restless or angry
- Lacking in confidence
- Hopeless or disappointed
Some of the physical symptoms include:
- Sleep problems: difficulty sleeping and/or feeling tired during the day
- Changed appetite: with or without weight loss or gain
- Feeling run down or sick
- Muscle pain
- Churning stomach
Of course, symptoms can vary over time or vary from person to person.
What are some of the causes of depression?
The exact causes of depression are difficult to pin down and there are often many reasons one develops this disorder. Many sufferers have experienced a traumatic life event, such as a stressful situation or childhood trauma, but there are many other reasons that an individual might develop a mental illness.
There are also several factors that can increase the risk of developing depression after an experience. Some examples are a family history of depression, other mental health illnesses, and personality. These factors can increase an individual’s vulnerability to depression.
However, an important thing to recognize about the causes of mental health conditions is that they are illnesses just like any other physical conditions and they do not make the individuals “weak” or at fault. Learn more about how to help these conditions here:
What should I do if I can’t work because of depression?
Discuss your situation with people that understand how to get the money you are entitled to.
We can check to see if you have insurance money hidden in your super policy and explore other possible ways to get you help. There is no fee to check your insurance entitlements.
Do people with depression successfully claim TPD from their super?
Yes! Depression is a common mental illness and can have serious effects on your everyday life. The standard that must be proved to win a claim, is measured by the severity of your depression symptoms. It is helpful to have a diagnosis from a mental health professional. Successful TPD claims have been won for mental health illnesses against super policies from a broad range of providers.
Checking your super policy for this insurance can be a nice boost to help you get back on track. Unfortunately, most who try to claim without help are rejected.
Super insurance claims are tough to win on your own
The insurance companies often make it tough to claim and many claims are rejected in Australia. We understand their games and will help you to get your full insurance lump sum payout.
With the right help, you may be eligible for a TPD insurance lump sum or Disability Support Pension through Centrelink. It’s possible to qualify for both!
With the right medical evidence and support, you can successfully claim your insurance money.
We know all the steps to make the process as quick and simple as possible.
All of the required details can be collected on the phone. You don’t have to make a special trip to find out if you have a claim.