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If a critical or terminal illness has forced you to stop working, it’s likely you’re eligible to make a total and permanent disability (TPD) claim.
There’s no cost to speak to a TPD lawyer from Australia’s largest specialist personal injury firm to find out how much you can claim. We ask more questions and get to know you personally. It’s how we spot the things others don’t, so you get more compensation.
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There’s no complete “list” of what qualifies for a TPD critical or terminal illness claim. Depending on your insurance policy, the key is that your illness has stopped you from going back to your job, or the work you’re qualified to do. Here are some critical illness categories which may be eligible for a TPD claim:
As with many illnesses, the severity of the condition determines whether a cancer diagnosis is eligible for a TPD payout. Common types of cancer that can lead to a TPD claim include breast, prostate, bowel, skin, lung, kidney, or pancreatic cancer.
A range of heart conditions may be eligible for a TPD claim if one has stopped you from working. This can include cardiomyopathy, primary pulmonary hypertension, or chronic heart disease. Speak to our friendly TPD experts for free advice on your situation.
There are many chronic illnesses which may lead to a TPD insurance payout, some of the more common conditions we see include fibromyalgia, strokes, chronic lung disease, or muscular dystrophy. Contact our specialist TPD lawyers for free advice.
Conditions such as Parkinson’s disease, Alzheimer’s disease, motor neurone disease, dementia, cerebral palsy, or severe epilepsy are classed as neurological disorders. They may be eligible for a TPD payout, so get in touch with our specialists for free advice.
TPD payouts are often available for some of the more severe autoimmune diseases. These include multiple sclerosis, systemic lupus, vasculitis, polymyositis and dermatomyositis, or severe rheumatoid arthritis. Speak to our TPD experts today for free advice.
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If a terminal or critical illness has stopped you from working, a TPD lump sum can provide much needed financial relief.
We’ve helped many people with critical illnesses make successful TPD claims, but we understand your situation is unique, and you’re different from every one of them.
Getting you all of your entitlements starts with building a personal relationship with you, to truly understand your situation and how your life is being impacted. We dig deeper and build the strongest case possible to help maximise your payout.
There’s no cost to speak to a TPD claim lawyer, tell your side of the story, and find out how much you can claim.
We understand that when you’re faced with a critical or terminal illness, financial stress is the last thing you want to deal with. And we’re here to help.
A successful TPD claim needs to be backed by watertight proof that your illness meets the criteria in your policy. We simplify the process for you, preparing your case thoroughly so we can get a lump sum payout for you in the shortest possible timeframe.
Even if you’ve had a TPD claim rejected by an insurer, it’s still possible for us to challenge their decision and get it reversed in certain situations.
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 winning cases.
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.
A specialist lawyer will review your circumstances and tell you how much you can claim.
No, it doesn’t matter what caused your illness – if it stops you from working, you may be eligible to make a TPD claim. And if your job caused your illness, you might also be entitled to make a workers compensation claim.
It’s important to remember that some policies have specific exclusions, and you may not be able to claim for conditions that predate when your policy was taken out. If you’re not sure, it’s best to speak with one of our TPD specialists who can take a look at your policy and advise you about your specific situation, free of charge.
There’s no complete “list” of what qualifies for a TPD critical or terminal illness claim. Depending on your insurance policy, the key is that your illness has stopped you from going back to your job or stopped you from returning to the work you’re qualified to do. This might include illnesses such as cancer, autoimmune diseases, neurological disorders, or heart conditions.
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.
If you’re not sure whether you have TPD insurance cover, you can call Law Partners on 13 15 15. With your permission, we’ll contact your super fund (or funds) on your behalf and find out what cover you have – there’s no cost for this service.
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 critical or terminal illness 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.
This can vary, but TPD illness claim 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.
Speak with one of our friendly TPD/superannuation lawyers today and find out if you can claim for your illness. It’s a free service.
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 your maximum payout and give you our ‘no win no fee’ guarantee. The choice to proceed is 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.
Your TPD/superannuation team will check in with you regularly and always keep you up to date with your case.
We’ll listen and match you with an expert TPD/superannuation lawyer who specialises in critical or terminal illness claims.
We’ll build a personal relationship with you to ensure we understand the true impact of your illness on your life.
We win over 99% of our cases and pride ourselves in getting the maximum possible TPD payout for our clients.
Our senior lawyers will assess your case for free.
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