I had to stop work because of mental illness. Can I claim a lump sum?
If you’re unable to work due to a mental health condition or mental illness, then you may be eligible to make a TPD claim for mental health or illness. Most Australians have TPD (total and permanent disability) insurance through their superannuation funds, although many people are unaware that they’re covered.
Here are three questions that will help you determine if you’re eligible for a lump sum payout:
- Were you working in the 12 months prior to your condition or mental illness being diagnosed?
- Have you been unable to return to work since developing your condition or mental illness?
- Do you have superannuation?
If you answered yes to these questions, then it’s likely you can make a TPD claim for mental illness.
Which mental health conditions are covered by TPD insurance?
Any mental health condition or mental illness that prevents you from returning to work may qualify for a TPD claim for mental illness. Here are some examples of mental health conditions that could prevent you from working:
- Post-traumatic stress disorder (PTSD)
- Persistent anxiety
- Bipolar disorder
- Panic attacks
There’s no defined “list” of conditions that can be used to support a TPD claim for mental illness—the key is that you’ve developed a mental health condition that has stopped you from returning to work.
What's the claim process?
We make the claim process easy for you.
We get to know you
We'll get to know you personally, listen to your side of the story and give you free advice on your options.
We ask more questions
We'll look beyond the obvious and see if your injuries have led to other complications, to claim everything you're entitled to.
We build the evidence
Led by your lawyer, your dedicated team including hand-picked medical specialists will build strong evidence to maximise your claim.
We pursue your claim
We win over 99% of our cases and we'll fight until you receive the compensation you're entitled to and deserve.
You receive your compensation
Your compensation will be paid into your bank account.
What will it cost me?
There are no upfront costs. We’ll provide free claim advice, we’ll cover all the costs to prepare and run your case and we only get paid when you receive your compensation. Also, just like a mobile phone bill, we put a cap on our fees so there are no nasty surprises at the end of your claim. You should feel comfortable that you can speak to your lawyer any time, without worrying about the cost getting out of control.
Where can I find a mental illness expert in my area?
Law Partners is Australia’s largest specialist personal injury firm, and we have 16 local offices.
We have TPD lawyers and legal teams who specialise in mental illness claims.
To find Law Partners offices near you enter your suburb:
Did you know?
If you don't live close to one of our offices we can provide free advice over the phone, and we can represent you without you having to leave your home. Call 13 15 15 speak to a specialist.
Commonly asked questions.
Does it matter what caused my mental health condition or mental illness?
No, it doesn’t matter. Whether your mental health condition or mental illness has been caused by a traumatic event, developed over time or come on suddenly and out of the blue, if it has forced you to stop working then you can lodge a TPD claim for mental illness.
I don’t know if I have TPD cover. How do I find out?
If you’re not sure whether you have TPD cover, you can call Law Partners on 13 15 15 and we’ll find out for you. With your permission, we’ll get in touch with your super fund (or funds) and confirm what cover you have – it’s a free service.