Total permanent disability claims

How to file a claim for

The things you need to know before you make a claim
If you have a policy from your employer, please head to our dedicated claims page for employees.

Check your claim is eligible
It’s always a good idea to first check that your policy covers your claim. The quickest and easiest way to do this is via FWD eServices, our customer app. Or feel free to give us a call on 3123 3123.

Send us your claim within 30 days
Please note that we need you to submit the claim forms within 30 days. If you feel ready, you can also submit your documents with the completed claim forms. Or if you prefer, we offer an additional 60 days (from when we receive the claim forms) to then send in the documents we need.


  • Your identity card
  • Sick leave certificate(s)
  • Physiotherapy / Rehabilitation progress report (if available)
  • Certificate of Assessment (Form 7) or Certificate of Compensation Assessment (Form 5) issued by the Labour Department (if available)
  • Please also provide any termination letter / employment letter from your employer
By mail
By mail

Thanks for completing the claims process.

As soon as we receive your claim, we'll let you know. We'll do this within five working days of receiving your claim either via by SMS, email, or post (please allow for any postal delays via the mail service).

If you’ve bought your plan via an agent, you’ll receive this notification from your agent, according to how they normally communicate with you

If we need additional information from you, we will let you know – either by post or via your agent if applicable.

Your questions answered


How will you pay me?


When will you pay me?


Who do I speak to if I have a question on my claim?

Frequently asked questions

Need help with your claim?