Any Occupation TPD

Any occupation TPD uses a more restrictive definition of total and permanent disability. It requires you to be unable to engage in any occupation for which you are reasonably qualified by education, training, or experience.

Even if you cannot perform your current job, if you can work in another suitable role (even at reduced income) you typically will not meet the claim criteria.

A worked example

A tradesperson who can no longer perform physical labour but could work in administrative roles related to their industry might not qualify for an any occupation TPD benefit, despite a significant career change.

What the assessment considers

The assessment looks at your specific circumstances:

• Age at the time of disability
• Education level and qualifications
• Work experience and prior roles
• Skill transferability between occupations
• Physical capabilities remaining after the illness or injury

Why it is the default in super

Any occupation TPD is the standard definition in most Australian superannuation funds' default insurance coverage, particularly in industry and retail super funds. The 30 to 50 percent premium reduction compared to own occupation makes it more affordable and accessible to most Australians.

ASIC has scrutinised any occupation definitions following concerns about claim denials, leading to clearer policy wording in recent years.

When it still pays

Despite the stricter definition, any occupation TPD still pays for catastrophic disabilities where no work is possible. The cost savings can allow higher coverage amounts for the same premium budget.