TPD claim through super – should I rely on one diagnosis (CFS, PTSD) or all of them?
I’m considering making a TPD claim through my super and would appreciate some guidance before I start.
My main diagnoses are ME/CFS (chronic fatigue syndrome), PTSD and major depressive disorder, plus a couple of other health conditions/neurological disorders that were manageable beforehand but now contribute to my overall disability since developing PTSD from work.
When making a TPD claim, is it generally better to focus on the condition that has the greatest impact on your capacity to work, or to include all relevant diagnoses and let the evidence speak for itself?
Also, is this the sort of claim where it’s worth getting legal advice from the outset, or is it reasonable to lodge the claim yourself first?
I’m in Victoria if that makes any difference.