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Australia's Largest Specialist Personal Injury Firm
WINNER Personal Injury Law Firm of the Year

Australia's Largest Specialist Personal Injury Firm^

WINNER Personal Injury Law Firm of the Year

Superannuation TPD lawyers.

More personal, more compensation.

If you’re unable to work due to injury or illness, you may be entitled to make a TPD claim through your super fund. Many Australians are unaware they’re entitled to this lump sum.

It costs nothing to find out how much you can claim. And when you choose Law Partners, you can be sure our TPD lawyers will take time to get to know you personally and uncover all your entitlements. So you’ll get more compensation with Law Partners on your side.

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We’re rated 4.9 from 1202 reviews1.

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Over 99% success rate.

Maximum compensation.

Questions about claiming TPD? Start here.

TPD (total and permanent disability) is a type of insurance that provides you with a payment if you’re forced to stop work. When you make a TPD claim you’re claiming a lump sum payment on top of your superannuation fund balance.

If you’ve ever paid into a super fund, it’s likely you have TPD insurance connected to your super. If you’ve been off work for three or more months due to injury or illness, with no prospect of returning to work, then you may be eligible to make a TPD claim.

It can be hard to know how much TPD cover you have, as you may have multiple super funds and TPD policies from changing jobs over the years. If you can’t work and you’re not sure about your cover, you can call 13 15 15 and we’ll find out for you. It’s a free service.

When claims are simply ‘processed’, important details can be missed. We’ll match you with a specialist TPD lawyer, build a personal relationship with you and your family, and look beyond your obvious injuries or illness to claim everything you’re entitled to. This can make a big difference to the amount of compensation you receive. Law Partners has TPD lawyers in Sydney and Melbourne ready to help.

Our TPD lawyers are here to help with your claim.

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Disability claims.

Has a disability stopped you from working? Speak with one of our superannuation disability claim lawyers to find out how much you can claim.

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Critical illness.

If a critical or terminal illness such as multiple sclerosis has stopped you from working, a TPD lump sum could provide you with financial support.

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Physical injury.

Has a permanent physical injury forced you to stop doing the work you’re qualified for? You might be eligible to make a TPD insurance claim.

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Mental illness.

If a mental health condition such as PTSD, depression or anxiety is preventing you from working, you might be entitled to a TPD insurance payout.

Call 13 15 15 or chat to us now for free advice

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How can I successfully claim TPD insurance?

It’s common for people to have their superannuation TPD claims rejected by insurers, or to abandon their claims when the claim process becomes difficult.

It’s important to note that the definition of TPD payout requirements can vary between policies – for example, your 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

A successful TPD claim needs to be backed by proof that you meet the criteria outlined in your TPD insurance policy. If the insurance assessor decides you don’t meet the criteria, your TPD claim will be rejected.

A successful TPD claim needs to be backed by proof that you meet the criteria outlined in your TPD insurance policy. If the insurance assessor decides you don’t meet the criteria, it’s likely your TPD claim will be rejected.

Claims are often rejected on the basis that the applicant doesn’t meet the criteria in the policy. However, in our experience, missing or incomplete information can be a major factor in these rejections.

In our experience, common reasons for insurers rejecting TPD insurance claims include:

  • Not meeting age restrictions
  • A dispute over the evidence provided
  • Not providing evidence that you meet the definition of disability in your policy
  • Lodging your claim too late
  • Your policy becoming inactive – this may be because you closed your account or the account has been inactive for some time
  • Applying before the minimum waiting period
  • Not meeting work history requirements

The time limit to lodge a TPD claim varies depending on the insurer and the specific policy. However, most superannuation policies require a waiting period before you can apply for a TPD benefit, which is typically three to six months from the date you ceased work due to your injury or illness.

In many cases, determining if there’s a time limit to lodge your claim can be difficult, so it’s best to speak with one of our TPD specialists and we’ll advise you about your specific situation, free of charge.

Our specialist TPD lawyers have made thousands of successful claims on behalf of our clients, and we have a network of hand-picked medico-legal specialists who work with us to build successful cases. Check out our blog TPD Claims – Your Complete Guide for a deeper dive on all your TPD rights and entitlements.


We’ll help you access your TPD entitlements.

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New TPD claims.

If you haven’t lodged your TPD claim yet, we’ll take care of the whole process for you, and you won’t have to pay us until we receive your lump sum.

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Claims rejected by insurers.

If you’re having difficulty getting your TPD claim approved, our TPD claim lawyers can assess your situation over the phone and provide free advice.

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Not sure if you’re eligible to claim.

If you’re not sure whether you’re eligible to make a TPD claim, our TPD lawyers can take a look at your policy and let you know. It’s a free service.

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Need help understanding entitlements.

If you’re just having trouble understanding your TPD entitlements, our TPD lawyers can review your policy and explain it to you in simple terms. It’s a free service.


We’re rated 4.9 from 1202 reviews on Google.

I would like to thank Law Partners for all their help and support through out my claim. Every member of Law Partners from start to finish were so helpful, and went above and beyond keeping me updated and well informed of any changes.

Very professional team that kept my best interest and what would be best for me at all times in mind. Cannot thank them enough; would highly recommend them in an instant.

Made me feel like part of their family. Thanks for everything again guys.

Adam Gollnitz gave Law Partners a
review on Google

Law Partners Sydney is the most professional law firm I have ever dealt with. They are extremely diligent and have their clients best interest in all that they do. I could not recommend them enough.

NK gave Law Partners a
review on Google

Gillian and her team were fantastic to deal with from day 1. They stay in constant contact with me and kept me informed of the steps and progress.

Got the outcome I was hoping for. I highly recommend Law Partners.

Karen Larkins gave Law Partners a
review on Google

I truly can’t thank the team at Law Partners enough. The amazing work that Jennifer and her team and Elyse and her team are doing for me is appreciated beyond what I can convey here in a short review.

The friendly, thorough and professional manner in which they’ve all approached my case has helped me tremendously during this difficult period in my life.

Adam gave Law Partners a
review on Google

One of the best lawyers in every aspect. only a phone call away whenever you need. Special thanks to Bill Cortese and his team.

Highly recommended.

Taran Sandhu gave Law Partners a
review on Google

When my husbands old TPD lawyer said she couldn’t help us anymore and closed our claim, Shane Butcher and Mark Saunders took on his claim and got my husband the money he was entitled to. Law Partners helped us through one of the most difficult times in our lives and we are very grateful.

Samantha Deigan gave Law Partners a
review on Google

I came to Law Partners to pursue a compensation claim and I found their delivery of service excellent and efficient. They constantly kept me up to date with the progress of my claim. I couldn’t imagine finding a better solicitor to handle my claim.

Janette C gave Law Partners a
review on Google

After an injury that totally removed me from the workforce my future was bleak. I approached several Law companies receiving very little guidance, then I found Law Partners. With my settlement I keep my home and possessions and family intact. I also have good friends for life in the team at Law Partners.

Derek H gave Law Partners a
review on Google

I would like to take this opportunity to express my gratitude to my solicitor and the other Law Partners’ staff who assisted my children and myself since our car accident in 2012. I am certain that any positive and useful result would not have been achieved without your efforts, assistance and dedication to our cases.

Kylie J gave Law Partners a
review on Google

Thank you and all your staff for the help you have provided in these trying times. I was feeling pretty negative about my future but after my first meeting with my lawyer I knew I had someone on my side who really wanted to help me. I wouldn’t hesitate recommending you to anyone who needs your services.

Cem O gave Law Partners a
review on Google

I would just like to take this opportunity to thank Law Partners for their services. The outcome was excellent and right from the first meeting to the last, Law Partners made the whole process feel seamless and effortless! I was pretty uncertain at first choosing a lawyer but so glad I chose Law Partners.

Shani D gave Law Partners a
review on Google

I just wanted to say thank you for everything Law Partners have done for my family and I over the last 18 or so months. Thank you so much for handling our case with the utmost professionalism and thank you for always being just a phone call or email away to answer our questions and give us a great result.

Lee G gave Law Partners a
review on Google

TPD claim stories

Making a TPD claim changed my life.

Shannelle, Trevor and Regina, like so many injured Australians, were completely unaware that they were eligible to make a TPD claim before they contacted Law Partners. Watch the video to find out how a TPD payout changed their lives.

TPD/Superannuation FAQs:

You can make your own claim without using a TPD claim lawyer. However, it’s common for people to have their TPD claims rejected by insurers because they fail to submit a thorough application, including all the documents and medical records needed to substantiate their claims. In other words, many people simply complete the application forms and assume their claim will be approved. But if you do that and fail to supply all the evidence needed to support your claim, it’s like the insurer will either reject your claim or keep asking you for more information, and the process can really drag on. This is why so many people who handle their own claims end up failing to get the TPD compensation they’re entitled to – they simply give up out of frustration.

A specialist TPD claim lawyer can compile all the evidence and submit your claim on your behalf, so the insurance assessor has all the information they need and you’re more likely to get your TPD claim approved.

No win, no fee lawyers offer to run your case for you and only get paid when you win. If you choose the right lawyer, it’s an excellent option that allows you to pursue your claim without any risk, but it’s important to check the lawyer’s costs agreement to fully understand what’s covered.

With some no win no fee lawyers you can still end up having to pay thousands of dollars in disbursements if your case is unsuccessful. This is because their no win no fee agreements cover their professional fees but not the costs they incur.

At Law Partners, our no win no fee, no disbursements guarantee covers all our costs and disbursements as well as our professional fees, so you can pursue your claim with peace of mind.

Learn more about our No Win, No Fee Lawyers guarantee, including our approach, and why we believe it’s the best and fairest agreement in Australia.

There’s no complete and defined “list” of common disabilities, injuries or illnesses that qualify you for a TPD claim. The key is that your condition has stopped you from returning to work.

Common examples fall under disability claims (such as blindness or loss of limbs), physical injuries (such as carpal tunnel or paraplegia), critical illness (such as multiple sclerosis or cancer), or mental illness (such as depression or PTSD). 

For more examples of TPD claims, take a look at some of our TPD Claims Stories. The examples listed can be used as a general guide. However, you’ll need to check the criteria in your TPD insurance policy to understand exactly what you can claim for.

Yes, 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 super 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.

To learn more on this topic, read our blog TPD Payouts – Your Complete Guide.

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

TPD payout amounts typically range between $60,000 and $600,000, with many payouts being more than $200,000. The amount you can claim is called your ‘insured benefit amount’, and it will be identified on your superannuation member statement. 

TPD policy terms vary, and some policies allow you to retrain and return to work after paying you a lump sum benefit. So, the short answer is – there are some situations where you might return to work after a TPD payout.

A TPD payout is not classed as taxable income, but if you withdraw any part of your TPD payout from your super fund as a lump sum, you may have to pay “superannuation lump sum withdrawal tax”. The amount payable is different for everyone, and if you have multiple super funds, the amount will be different for each fund you make a withdrawal from.


Start your TPD claim.

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Tell us about your claim.

Speak with one of our friendly TPD/superannuation lawyers today and find out if you can claim. It’s a free service for you.

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We’ll get to know you.

Your TPD/superannuation lawyer will ask more questions and get to know you personally to work out everything you’re entitled to.

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We’ll offer to start your claim.

We’ll explain how we can claim a maximum payout and give you our ‘no win no fee’ guarantee. The choice to proceed is all yours.


You’re in safe hands with Law Partners.

With Law Partners, you don’t just get a personal injury specialist – you get a specialist in TPD claims just like yours. Your legal team will work hard for you, check in with you regularly and always keep you up to date with your case. You’re in safe hands with Australia’s largest specialist personal injury firm.

Lydia Wheatley

Practice Group Leader

The best thing about being a personal injury solicitor is also the thing that drives and motivates me to be the best I can be and that’s the opportunity and ability to positively change the life of someone in need.

Get to know Lydia

Katelyn Vanderkolk

Senior Law Clerk

I try to simplify the legal process for my clients as much as possible and keep them updated throughout their claim. It’s very important to me that my clients have peace of mind knowing their legal team is with them every step of the way.

Get to know Katelyn

Jennifer Kyneur is a Senior Law Clerk at Law Partners. Her practice area is TPD.

Jennifer Kyneur

Senior Law Clerk

I work hard to achieve the best outcome possible in every claim while also providing an empathetic service to ensure that my clients don’t ever feel like they’re just a claim number throughout the process.

Get to know Jennifer

Ivana Moconja

Senior Law Clerk

I firmly believe every problem has a solution. If it doesn’t, it’s not a problem, it’s a conclusion – which I strive to learn from and move on.

Get to know Ivana

Shane Butcher is a Principal at Law Partners. He specialises in medical negligence, public liability and TPD.

Shane Butcher

Principal

With over 15 years’ experience in personal injury law on my side, I’ve had the privilege of helping thousands of injured people and their families claim all the compensation they’re entitled to.

Get to know Shane

Anita Pellizzon

Team Leader – Senior Paralegal

The more you can familiarise yourself with the client’s circumstances and the challenges they face on an everyday basis as a result of their injury, the better chance you have of delivering a result that will help get the client’s life back on track.

Get to know Anita


Why should I choose a Law Partners TPD lawyer?

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

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We’ll listen and match you with an expert TPD/superannuation lawyer who specialises in claims just like yours.

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We’ll build a personal relationship with you to ensure we understand the true impact of your injuries or illness.

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Your TPD/superannuation team will check in with you regularly and always keep you up to date with your case.

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We win over 99% of our cases and pride ourselves in getting the maximum possible TPD payout for our clients.

Do I have a case?

Our senior lawyers will assess your case for free. Please fill out all fields.


Find out more about TPD compensation.


Choose Empathy

As a personal injury law firm, we see first-hand every day the psychological damage that a lack of empathy can cause. So we’re committed to promoting more empathy in the world, and sharing stories of the positive impact it can have.

Meet some of the people whose stories inspire us
Father Chris Riley's Youth off the streets.