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 | $160k average payouts |
 | No win, no fee claims |
 | 30+ years experience |
$160k average payouts
No win, no fee for all claims
30+ years experience
Are you unable to work because of an injury, illness or mental health condition?
There could be a large lump sum payment just waiting for you to claim.
Total and Permanent Disability is an insurance policy that most Australians have through their super fund. It's there to protect us when we're too sick or injured to work by covering lost income and super contributions.
This is completely separate from your super balance and does not affect your hard-earned savings.
If you can't go back to work for any health reason (such as cancer, chronic illness, long-term injuries, or psychological conditions) and you had insurance cover at the time you became injured or ill, you may have a TPD claim.
Making a TPD claim can be a complex process, but our expert team can guide you through every step of the way. We are here to help you understand what you're entitled to, make your claim as easy as possible, and achieve the best possible outcome for you.
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TPD claim experts
Fill out the form and we'll get back to you within 1 business day.
Our expert team can check your entitlements for FREE and tell you what you're able to claim.
Need to speak to us sooner? Call us on 1800 196 050
$160k average payouts
No win, no fee
Over 30 years experience
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We have experts all over Australia ready to help you with your TPD claim.
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Hayriye Uluca
Principal Lawyer, State Litigation Leader, Superannuation, Insurance
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Melbourne, VIC
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(03) 9605 2700
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Jack Carr
Associate, Superannuation, Financial advice disputes, Insurance
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Hamilton Hill, WA
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(07) 3016 0348
Frequently Asked Questions about TPD claims
Total and Permanent Disability insurance (or TPD) is an insurance policy that most Australians have through their super fund. It's there to protect us when we're too sick or injured to work by covering lost income and lost super contributions.
Almost all workers in Australia are automatically insured through their super fund for either total and permanent disability or income protection. You can contact your fund directly to find out what insurance benefits you have through them, or we can do this on your behalf.
To be eligible to make a Total and Permanent Disability claim, you must:
- Show that you’re unable to return to work - either in your regular job or another position that is suited to your education and training.
- Have TPD insurance cover that was active at the time you became ill or injured. Most super funds automatically include TPD insurance, or you may have coverage through other life insurance.
Your inability to work does not have to be work-related and can be due to any physical or mental health reasons.
You can make a TPD claim through your superannuation insurance yourself. However, we find that when people try to make a claim themselves, it can be unfairly rejected or they don’t get their full benefits.
Our team of dedicated superannuation lawyers are experts in insurance law and have a strong success rate of ensuring our clients receive their full entitlements.
Making a claim can be frustrating, especially if you don’t have someone in your corner. The insurance companies often won’t tell you what you’re entitled to and not everyone knows the right information to give or the right questions to ask.
Seeking legal advice early can help you find any other compensation options, build a successful claim or help with a rejected claim. Our experienced TPD lawyers can manage complex or disputed claims for you.
Our track record of achieving higher settlement amounts for our clients than those who bring a claim on their own (without legal advice) is because we know the TPD process inside out and work hard to get you everything you deserve.
Getting help with your TPD claim is easy - simply:
- Give our experienced super claim team a call on 1800 196 050 and tell us about your situation.
- We'll check your policy for free and see if you do have cover and can make a claim.
- Then we'll gather all the necessary evidence and lodge the claim on your behalf.
- We'll keep you informed every step of the way while we deal directly with the insurer to get you the best possible outcome.
You can make a TPD claim for a range of physical injuries, illnesses and mental health conditions if it is preventing you from returning to work.
Some of the common reasons for TPD claims are:
- heart attack
- cancer
- injuries sustained at work or at home
- sports injuries
- car accident injuries
- chronic illnesses
- anxiety
- depression
- PTSD
Many people open new superannuation accounts when they change employers and forget to cancel previous accounts. Depending on the amount of funds in each one, you may have valid insurance policies on each of them - meaning yes, you may be eligible for multiple claims.
If your superannuation accounts were active at the time that you became injured or ill, you can usually claim on all the associated insurance policies. But the claims can impact each other, so it’s important to seek legal advice to find out the best option for you.
To make a successful TPD claim, you must be able to prove that your illness or injury prevents you from doing your regular job or another position that is suited to your education and training. This means you’ll need reports from your treating medical professionals, such as your GP and any specialists who have been treating you. It also helps if you have a doctor who saw you before the injury or illness.
Total and Permanent Disability claims can take up to 12–18 months to complete, particularly if there is a dispute from the insurer. We do everything we can to get all the benefits you’re entitled to as quickly as possible.
Your superannuation policy may also have Income Protection insurance, which can provide monthly payments after an injury or illness. This claim is separate from a TPD claim and can often be made while your TPD claim is processing.
The amount you receive for a Total and Permanent Disability claim depends on what insurance policy you have and the terms of that policy. Our clients receive an average of $160,000 from successful TPD claims.
If your TPD claim is rejected, you may have the right to appeal. Our lawyers can assist in reviewing and contesting claim rejections and looking into alternative claim options for you.
Usually yes, some policies cover the worsening of pre-existing conditions - but all policy terms are different, so it's best to check what cover you have.
As you get older and approach retirement age, TPD benefit amounts can decrease or even stop altogether. It's important to check the level of TPD insurance cover you had at the time you stopped working – even if your cover has since ended or changed.
We can check this for you for free. Use our free claim check tool to get started.
If you're unable to return to work due to any illness or injury, you may have access to additional benefits through:
- your employer
- an enterprise agreement
- your employment contract
- your loans such as a mortgage, car loan or credit card
- your insurance purchased through a financial institution or advisor.
Call us on 1800 196 050 and we can help you determine what benefits you may have access to in addition to a Total and Permanent Disability claim.
If you have been diagnosed with a terminal illness, you are likely eligible to make a TPD claim but could also have access to additional benefits as part of your super insurance.
However, TPD policy terms vary so it's important to check the fine print before making a claim or seek legal advice first.
'No win, no fee' means that if we don't get a successful outcome for your claim, you don't pay our legal fees. Before we start any work on your behalf, we will fully inform you about the estimated costs of our legal services and how our fees are calculated if your claim is successful. Your first consultation with us (when we can check your entitlements) is obligation-free as well, so it costs nothing to know where you stand.
If you're still not sure whether you're eligible to make a TPD claim, the best thing to do is get in contact with us. You can book an obligation-free consultation or use our free claim check tool to get started. We will be able check your entitlements for free and discuss all of your options with you.
