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How to Claim a Lump Sum Payment for Your Illness.

Couple Meeting With A Personal Injury Lawyer.

If you or a loved one have been diagnosed with a serious illness, you might be feeling a bit overwhelmed with information on treatment options, medication, therapies and other advice – it’s a stressful time. And if the illness means having to stop work, there’s the added stress of worrying about your financial future – how are you going to pay for the treatment you need now and keep paying your bills if you can’t work?

Fortunately, in Australia, there’s a financial safety net that’s provided through most superannuation policies – it’s called TPD (total and permanent disability) insurance and most Australians who’ve worked are covered. Read on to learn how to find out if you’re covered and how to claim your lump sum TPD payout – it’s easier than you might think.

TPD payouts – a financial lifeline.

You’ve probably heard of insurance policies like income protection that provides you with payments when you’re off work, or trauma insurance that pays a lump sum if you’re diagnosed with a major illness. But these insurance policies can be costly and many Australians don’t have adequate cover.

This is where TPD insurance can be a financial lifeline – thousands of Australians every year who have an illness or mental health condition that prevents them from working claim lump sum TPD payouts through their superannuation funds.

Mary was diagnosed with MS in 2015. “Literally overnight my life became all about hospital visits and specialist appointments. But when I reached the point where I couldn’t work, I was suddenly faced with the reality of my financial future – and as a single mum with two kids, it looked pretty bleak.”

Am I covered?

When you’re dealing with a major illness, your priority is your health and the last thing you want to do is have to investigate insurance cover. But the good news is, a quick look at your latest superannuation statement should show you whether you have TPD cover. And if you are covered, making a claim can be much simpler than you might expect, especially if you get help.

“It was actually my sister who asked if I had TPD cover through my super. To be honest I’d never heard of TPD and I had to look it up – and to complicate matters, I had multiple super policies. I literally had a box full of ten years of unopened mail from my super funds, and the prospect of going through them to work out what cover I had was daunting.”

If you’re like many Aussies and you have multiple super policies from changing jobs over the years, then you might be entitled to claim multiple lump sums – one from each policy.

If you’re unsure, you can call 13 15 15 and speak to a TPD specialist to find out what cover you have and how much you can claim – it’s a free service.

What illnesses qualify for a TPD payout?

Here are some examples of Illnesses and mental health conditions that might qualify for a TPD payout. This is not a complete list, but includes some of the illnesses and conditions that can prevent people from working.

Examples of Illnesses:Examples of mental health conditions:
Motor Neurone DiseaseDepression
Multiple SclerosisPost-traumatic stress disorder (PTSD)
Muscular DystrophySchizophrenia
ParaplegiaBipolar disorder
Alzheimer’s disease
Parkinson’s disease
Chronic lung disease
Severe rheumatoid arthritis
Primary pulmonary hypertension

How do I claim my lump sum?

To make a successful claim you’ll need to contact your superannuation fund, and they’ll typically ask you to complete a number of forms. After an initial assessment, the super fund with pass your claim onto the insurer to do their assessment. The insurer will then make a decision about whether to approve or deny your claim.

The key to a successful TPD claim is to complete the application thoroughly and provide all the necessary documents, such as medical records, to substantiate your claim. It’s also very important to make a written submission to the superannuation fund explaining why the claim should be approved.

Where can I get help with my lump sum claim?

Many people use a TPD claim specialist to manage their TPD super claim on their behalf, to give themselves the best possible chance of success and make sure the insurer pays out their full entitlements.

Law Partners is Australia’s largest specialist personal injury law firm, and their team of TPD lawyers and specialists have helped thousands of Australians claim lump sum TPD payouts. With TPD lawyers based around Sydney and Melbourne, Law Partners can handle your claim on a no win no fee basis, so you only need to pay their fees after you receive your lump sum payment.

“I saw an ad for Law Partners when I was Googling TPD so I called them, and from that very first call it felt like a massive weight had been lifted. Jen was amazing – she went through my super statements and worked out I had five TPD policies! She got me a total payout of over $1million, which has been life-changing. I can’t thank Jen and Law Partners enough for what they’ve done for me.”

Call 13 15 15 or fill out the form below to find out what cover you have and how much you can claim – it’s a free service. Our no win no fee lawyers are here to help, and we win 99% of our cases.

Chantille Khoury is a Principal at Law Partners. She specialises in motor accident injury, public liability and workers compensation.

Chantille Khoury


Chantille is a multi-award-winning, preeminent workers compensation specialist with over 20 years’ experience. Having ranked top 6 nationwide in the highest category of the Doyle’s Guide, Chantille is now providing feedback on policy changes for the Personal Injury Commission and IRO.

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