If you’ve been off work for three or more months due to injury or illness, with no prospect of returning to work, then it’s possible that you’re eligible to make a TPD claim. Different policies have different provisions and definitions, so you’ll need to check your policy to confirm that you qualify to make a TPD claim. There’s no cost to have one of our TPD specialists check for you.

As a general rule, if you’ve been unable to work due to an injury or illness for an extended period (usually more than three months) with no expectation to return to work, then you may satisfy the definition of TPD that applies to your policy.

Your TPD policy might cover you for:

• Being unlikely to be able to return to work in your occupation
• Being unlikely to be able to return to work in any occupation

So with some TPD claims in Australia, you don’t necessarily have to be unfit for all work to make a successful TPD claim.

It usually takes 6-12 months for a TPD claim to be finalised.

Insurance companies generally assess TPD claims within six months. Some straightforward claims are finalised sooner– however with more complicated claims insurance companies often take longer than six months to make a decision.

Once the insurance company has made their decision on a TPD claim, the trustee of the superannuation fund must make their own separate assessment of the claim. This process usually takes between one and two months.

If you have more than one TPD policy, you may be able to make multiple TPD claims – one for each policy. This is quite a common situation, as many people have multiple superannuation funds as a result of changing jobs over the years and may have a TPD policy through each fund. Making a successful TPD insurance claim against one policy has no effect on any other TPD insurance you may have, but you’ll need to submit a separate claim against each policy.

TPD lump sums typically range between $60,000 and $300,000 but can be higher. You can find your insured benefit amount on your superannuation member statement if it has an attached TPD policy.

If you make a successful TPD claim, you’ll generally be given the option to then withdraw this lump sum from your superannuation account together with your existing superannuation account balance.

Caring for our clients drives everything we do – that’s why thousands of Australians every year choose Law Partners.

• We’ll match you with a TPD claims specialist.
• We’ll build a personal relationship with you and your family to make sure we understand the true impact of your injuries or illness.
• Your TPD specialist will check in with you regularly and always keep you up to date with your case.
• We win over 99% of our cases and pride ourselves in winning more compensation.