Hi New to forum and hoping someone can offer some advice. My wife has a not worked for the last two years and has been diagnosed with a serious psychological disorder. 1. She has held a Life & TPD policy through her industry super fund for over 20 continuous years, and the level of TPD cover automatically quadrupled just 4 weeks after her last day at work. One lawyer I spoke to said that normally you would have to have been working at the time, in this case at least another month, to make a claim for the higher amount. It seems unfair especially since her fund is still calculating her insurance premiums on the higher cover amount. The difference in payout is substantial and means we can just payout our mortgage and have one less financial worry. 2. With psych disorders how can a doctor really determine if the condition is permanent? What is the legal definition of "permanent" for psychological disability? The lawyer I spoke to told me not to be concerned about this because psychological disorders treated differently but cannot afford to spend legal fees on zero result. I've heard even "no win no fee" arrangements can run up big $$$ in disbursements, and cannot take any financial risks. 3. What happens to TPD payouts if the person recovers to some degree say 5 years of therapy later? Are they allowed to earn an income again, even on a part time or casual basis?