As someone who had a successful TPD claim for mental illness (Dissociative Identity Disorder), I would like to encourage people to seek assistance and support from their Doctor, specialist (psychiatrist) and any other professional (including Psychologist) when considering a Total & Permanent Disability claim.
Some claims go through superannuation. If this is the case there will be an insurer involved, and possibly, like mine, an owing bank.
I contacted my doctor, psychologist and diagnosing psychiatrist prior to my claim lodgment. I encountered many difficulties, stigma and discrimination during my claim from the super company, insurer and owning bank. I believe the first step of a claim is to deny it (or delay it). This is to dissuade claimants bcos it saves the company money.
I do recommend getting the support of your treatment team.
I also strongly recommend seeking access to a copy of your claim file, and if they fail to provide this then to the OAIC (Office of the Australian Information Commissioner). You can file a complaint after 30 days.
Go after a copy of your personal information with the superannuation company, the insurer and even the Bank (if involved). This information can be important and helpful if you need to lodge privacy complaints, or go to the Superannuation Complaints Tribunal (SCT). I had to do this - OAIC and SCT.
Deal with the claim in writing (email). Log any phone calls - who you spoke to, time and date, etc.
Get copies of the Policy involved in the claim (from your superannuation company). Any documents you send to them, send by trackable mail - and ask them to acknowledge receipt. (actually even with emails).
I also sought access to medical reports, as the Independent Medical (psych report) was conveniently kept from me and my Lawyer. If they deny access to you, then request the report be sent to your nominated medical professional (doctor or specialist). Information about your privacy rights are on the OAIC website.
Main thing is to keep fighting for your rights to a claim. Don't accept any of their crap because I feel that those involved in my TPD claim just tried to string it out. But I stuck with it.
Those in a claim, or considering it - good luck.