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If a mental illness has forced you to stop working, you may be eligible to make a total and permanent disability (TPD) claim.
There’s no cost to speak to a mental health TPD claim 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 mental illness claim. Depending on your insurance policy, the key is that your condition has stopped you from going back to your job or the work you’re qualified to do. Here are some common mental illness categories which may be eligible for a TPD claim:
Post-traumatic stress disorder (PTSD) is a serious mental health condition which may qualify for a TPD claim. It’s associated with exposure to traumatic events, often a reality of life for emergency services workers. If you’ve been diagnosed with PTSD and can’t return to work, you may be entitled to a TPD lump sum payout.
When depression is severe enough, it can dramatically impact a person’s cognitive, social and work abilities. We’ve looked after many successful TPD claims for clients with diagnosed depression, so reach out to our TPD claim specialists for help if you think you may qualify for a TPD insurance payout.
Mental health conditions that include anxiety, severe stress, anxiety attacks or panic attacks may all qualify for a TPD payout because they can seriously interfere with daily functioning and work capacity. Speak to one of our TPD claims specialists for free advice on your situation.
Depending on your condition’s severity, bipolar disorder can disrupt your ability to maintain employment due to the impact on cognitive, emotional and social functioning. The key is whether or not you can be treated and return to the work which suits your education, training or experience.
As a mental illness, a schizophrenia diagnosis can qualify for a TPD insurance payout when it prevents a person from working and is considered to be permanent. It’s considered a long-term condition and in certain cases, can have a severe impact on cognitive and social functioning. Speak to our TPD specialists for free advice on your situation.
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If you’ve had to stop working due to a mental health condition or mental illness, a TPD lump sum payout could provide life-changing financial support.
We’ve helped many people with mental 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 how debilitating mental illness can be, especially when it’s combined with financial stress. And we’re here to help.
A successful TPD claim for mental illness needs to be backed by medical evidence that your condition meets the criteria in your policy. We simplify the process for you, preparing your claim 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 injury 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 how your mental health condition originated – if it stops you from working, you may be eligible to make a TPD claim. And if your job caused your psychological injury, 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 mental illness claim. Depending on your insurance policy, the key is that your mental 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 mental health conditions such as PTSD, depression, anxiety, bipolar disorder, or schizophrenia.
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 mental 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 mental 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 our friendly TPD/superannuation lawyers today and find out if you can claim for your mental 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 mental illness claims like yours.
We’ll build a personal relationship with you to ensure we understand the true impact of your mental health condition.
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.
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
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