You were employed at any time in the last 16 months at the date of disablement and since then: 

• you have been off work for 3 consecutive months because of your accident or sickness, and
• you have participated in your employer’s rehabilitation program

MLC's and TelstraSuper's assessment must find that you are unlikely to ever perform gainful work for which you are reasonably qualified by education, training or experience.

You were employed at any time in the last 16 months at the date of disablement and since then: 

• you have been continuously off work or if unemployed, continuously unable to accept work, because of a condition listed in the relevant policy (a Day One condition).

MLC’s and TelstraSuper's assessment must find that:

• you are unlikely to ever perform paid work for which you are reasonably suited by education, training or experience, and
• you are likely to be disabled for life.

You can lodge a TPD claim without waiting 3 consecutive months since your sickness or accident first occurred.

You were unemployed for more than 16 consecutive months prior to your date of disablement and you continued to be unemployed or performing domestic duties up to your date of disablement. Since your date of disablement: 

• you are permanently unable to perform at least two of five everyday working activities as a result of your accident or sickness, and
• this has been the case for 6 continuous months or more from your date of disablement.

MLC’s and TelstraSuper's assessment must find that you are unlikely to ever perform any gainful work for which you are reasonably qualified by education, training or experience.

OR

In the event where you suffer a severe mental disorder you have been:

• regularly attending and undertaking medical treatment recommended by a medical practitioner with respect to that disorder, and
• diagnosed by a psychiatrist, and
• assessed by a psychiatrist appointed by MLC as having an impairment of 19% or more on the Psychiatric Impairment Rating Scale.

MLC’s and TelstraSuper's assessment must find that you are unlikely to ever perform any gainful work for which you are reasonably qualified by education, training or experience.

Where you have been in a domestic duties occupation for less than 16 consecutive months at your date of disablement and since your date of disablement: 

• you have been under the ongoing care of a medical practitioner as a result of your accident or sickness, and
• you have been unable to work or perform any domestic duties for 3 consecutive months, and
• you are likely to require ongoing care from a medical practitioner.

MLC’s and TelstraSuper's assessment must find that you will never again be able to perform domestic duties or any gainful work for which you are reasonably qualified by education, training or experience.

Immediately before your date of disablement you were in employed on a permanent or casual basis, including as a contractor.

Since then:

• you have been absent from employment with your employer due to accident or sickness for the whole of your applicable waiting period, and
• you are not working in any occupation, and
• you are under the ongoing care of a medical practitioner.

MLC's and TelstraSuper's assessment must find that you are unable, for the time being, to perform the regular duties of your regular occupation due to accident or sickness.

You will receive Income Protection benefit payments until one of the following occurs:

• you return to work**, or
• you are no longer totally disabled, or
• your benefit payment period ends, or
• you reach age 65, or
• you die.

Immediately before your date of disablement you were employed on a permanent or casual basis, including as a contractor.

During the first 12 days of the waiting period, you were totally disabled due to accident or sickness for at least 7 days.

For the balance of the waiting period:

• you have returned (or are capable of returning) to your regular occupation, and
• you are under the ongoing care of a medical practitioner, and
• your income is less than your pre-disability income due to your accident or sickness.

You will receive Income Protection benefit payments until one of the following occurs:

• you are no longer partially disabled, or
• your benefit payment period ends, or
• you reach age 65, or
• you die.

If after a period of receiving a partial disability benefit you are unable to do your regular occupation, you may be eligible for a total disability benefit.