Everything you should know about ADL tests and TPD insurance claims.


An Activities of Daily Living (ADL) test refers to the process of assessing a worker’s ability to perform personal care and recreational and social activities. An occupational therapist manages the process, and it is best to do it at the worker’s home.

In general, ADL tests do not depend on a specific occupation. On the contrary, it depends on how independent you are and how well you take care of yourself. In a household, activities of daily living (ADLs) are a list of everyday tasks necessary for one to function and live independently. ADLs include bathing, dressing, toileting, transferring (getting in and out of bed or chair), eating, and continence. The most common triggers are activities of daily living for long-term care insurance purposes. When an individual is unable to perform at least two ADLs without assistance, they qualify for long-term care insurance.

Contrary to this, in case of a total and permanent disability, you will be covered if you are unable to work in any capacity in any occupation based on your previous education, skills, and training.

You may be able to make a TPD insurance quote for a lump sum under your policy if you are unable to work or are unlikely to work for at least 6 – 12 months due to illness or injury. Your illness or injury doesn’t need to be work-related or caused by your employer to make a claim. The most important thing that you must consider is this: if you have not worked or are unlikely to work for at least 6 – 12 months because of injury or illness, you may be eligible for a TPD lump sum claim.

While you definitely can buy TPD insurance directly from insurers as an independent product, you may already have coverage under another policy (such as superannuation), so you may already be receiving total or partial coverage.

Eligibility of TPD insurance and ADL tests

Notably, the standard total and permanent disability insurance quote require an individual to be permanently unfit to perform their usual job or any other suitable work given their education, training, or experience, perhaps with a retraining clause included.

The ADL definition, on the other hand, requires that a person be unable to carry out two or more daily living activities. To illustrate, feeding, bathing, dressing, toileting, walking, and transferring from bed are all considered daily living activities.

An experienced Aspect Underwriting agent retained early in the process can assist you with any kind of claim that may occur. Contact our firm today for a complimentary consultation to review your claim and to learn how we can assist you in obtaining the benefits to which you are entitled.

We are happy to help if you have been injured or sick and are unable to return to work as a result of that injury or illness, so you think that you may be entitled to a Super TPD claim. With a wealth of experience assisting clients with Super TPD claims, Aspect Underwriting’s personal injury lawyers have the expertise to assist you. You can get in touch with Harriet Burgess at 1300 979 458 or by sending him an email if you need advice or representation.