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Maximum compensation.
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 0292644474 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.
Has a disability stopped you from working? Speak with one of our superannuation disability claim lawyers to find out how much you can claim.
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.
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.
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.
A specialist lawyer will review your circumstances and tell you how much you can claim.
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:
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:
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 in NSW 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.
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.
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.
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.
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.
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.
Speak with one of our friendly TPD/superannuation lawyers today and find out if you can claim. It’s a free service for you.
Your TPD/superannuation lawyer will ask more questions and get to know you personally to work out everything you’re entitled to.
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.
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.
Caring for our clients drives everything we do – that’s why thousands of Australians every year choose Law Partners.
We’ll listen and match you with an expert TPD/superannuation lawyer who specialises in claims just like yours.
We’ll build a personal relationship with you to ensure we understand the true impact of your injuries or illness.
Your TPD/superannuation team 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 getting the maximum possible TPD payout for our clients.
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