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If a permanent injury has forced you to stop working, you might be eligible to make a TPD claim.
There’s no cost to speak to a TPD injury 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 injury claim. Depending on your insurance policy, the key is that your injury has stopped you from going back to your job or the work you’re qualified to do.Here are some common physical injury categories which may be eligible for a TPD claim:
We’ve helped hundreds of clients get TPD payouts for serious back injuries. Conditions can commonly include fractured vertebrae, chronic sciatica, cauda equina syndrome, back injuries resulting in spinal fusion or paralysis, and degenerative disc disease, ruptured or herniated discs. We’ve also looked after TPD claims for clients following failed back surgeries that result in chronic and ongoing pain.
Loss of limb injuries are considered a serious condition that may qualify for a TPD claim. If you’ve suffered a loss of limb injury, you could be eligible for a payout. Common examples include loss of finger, hand, arm, foot, or leg injuries. A loss of ear injury may also be considered under the category of a specific loss or major physical impairment in many TPD policies.
These include neck injuries such as herniated discs requiring surgical intervention, and traumatic brain injuries including concussions, contusions, haematomas, and haemorrhages. We’ve also managed TPD claims for clients with fractured skull injuries, cuts or lacerations to the head requiring surgery with long-term effects on work, and spinal cord injuries affecting neck mobility and sensory functions.
These types of injuries can permanently affect your ability to return to work, and may qualify for a TPD claim. They could include industrial deafness from workplace settings, partial or full blindness or deafness resulting from an accident or medical condition, and brain injuries which cause a loss of speech.
Spinal cord injuries leading to paraplegia or quadriplegia are usually permanent, which often make them eligible for TPD claims. These physical injuries involve the complete and irreversible loss of the use of limbs, and can result in significant impairments that affect an individual’s ability to work.
Burns range in severity and can certainly affect your ability to return to work. Third-degree burns can be serious and require skin grafts and ongoing treatment, whereas fourth-degree burns can affect muscles, bones and lead to a permanent disability. Other conditions which may qualify include serious chemical, electrical and inhalation burns.
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If you’ve had to stop working due to a physical injury, a TPD lump sum payout could be a real lifeline for you.
We’ve helped many people with injuries 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 has been 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 being unable to work due to an injury may be causing you financial stress, and we’re here to help.
A successful TPD injury claim needs to be backed by watertight proof that your injury 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 physical injury occurred – if it stops you from working, you may be eligible to make a TPD claim. If your injury happened while you were working, 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 injury claim. Depending on your insurance policy, the key is that your injury 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 serious physical injuries to any part of your body including your back, neck, head, torso, legs, feet, arms, hands and so on. It can also include severe burns, loss of limbs, and loss of speech, sight and hearing.
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 physical injury 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 injury 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 injury. 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 injury claims like yours.
We’ll build a personal relationship with you to ensure we understand the true impact of your physical injuries.
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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