TPD Claims Support in Australia
Get expert help with your Total and Permanent Disability claim and secure the compensation you deserve.
Licensed in all Australian states
TPD Claims
What is TPD?
Understanding Total and Permanent Disability claims in Australia.
Total and Permanent Disability (TPD) insurance provides a lump sum payment if you become permanently disabled and unable to work. In Australia, TPD cover is typically included in:
Your superannuation fund (most Australians have this automatically)
Personal insurance policies you may have purchased
Group insurance through your employer
TPD claims can provide crucial financial support when you’re unable to work due to injury or illness, helping cover medical expenses, ongoing care costs, and replacing lost income.
Common scenarios covered by TPD
Mental health conditions
Depression, anxiety, PTSD that prevents you from working
Physical injuries
Back injuries, spinal damage, severe fractures
Chronic illnesses
Cancer, multiple sclerosis, chronic pain conditions
Sensory loss
Vision or hearing impairment that prevents working
Superannuation TPD vs Insurance TPD: Key Differences
Superannuation TPD
Usually has an “any occupation” definition
Often requires you to be unable to work in any occupation
Generally lower premiums but stricter criteria
Insurance TPD
May have “own occupation” definition
Often only requires you to be unable to work in your specific occupation
Higher premiums but typically easier to claim
Eligibility Requirements
Understanding if you qualify for a TPD claim in Australia
Australian TPD Criteria
Permanent disability: Your condition must be permanent with no reasonable prospect of improvement.
Unable to work: You must be unable to work in your own occupation or any occupation (depending on your policy).
Medical evidence: You need substantial medical evidence supporting your condition and its impact.
Australian residency: Most policies require you to be an Australian resident.
Policy active: Your insurance policy must have been active when you became disabled.
Employment Considerations
Full-time workers: Typically need to demonstrate inability to work in any occupation for which you’re reasonably suited by education, training or experience.
Part-time workers: May have different criteria based on hours worked and income earned.
Self-employed: Need to provide business records and demonstrate inability to perform business activities.
Homemakers: Some policies have specific definitions for those who perform unpaid domestic duties.
Required Medical Evidence
Medical reports from treating doctors
Specialist assessments and opinions
Hospital records and discharge summaries
Diagnostic test results and imaging
Treatment history and medication records
Occupational therapist assessments
Not sure if you’re eligible?
Our expert team can assess your situation and help determine if you qualify for a TPD claim. We offer free initial consultations with no obligation.
The TPD Claims Process
How we help you navigate the Australian TPD claim journey.
1
Initial Consultation
We’ll listen to your story, assess your situation, and advise on the likelihood of success for your TPD claim.
2
Eligibility Check
We identify your superannuation funds and insurance policies, check eligibility criteria, and assess potential compensation amounts.
3
Document Collection
We help gather medical records, disability evidence, and other necessary documentation to build a strong case.
4
Negotiation Representation
We represent you in negotiations with insurance companies, ensuring your interests are maximally protected.
5
Claim Settlement
Once your claim is approved, we ensure you receive your compensation fully and promptly.
Common Pitfalls to Avoid
Incomplete medical evidence
Missing specialist reports or diagnostic results
Missing claim deadlines
Some policies have strict time limits for filing claims
Social media contradictions
Posts that contradict your claimed disabilities
Inconsistent statements
Contradictions in your medical or employment history
Success Stories
Real outcomes we’ve achieved for our Australian clients
Michael from Brisbane, QLD
Construction worker with back injury
“After a serious workplace accident left me with a permanent back injury, I couldn’t return to construction work. My claim was initially rejected, but the team helped me appeal and secure a payout that has given my family financial security.”
Claim duration: 7 months
$385,000 payout
Sarah from Sydney, NSW
Teacher with multiple sclerosis
“When I was diagnosed with MS, I had no idea I could claim on my super. The team identified three separate policies I was covered under and helped me successfully claim on all of them, providing crucial financial support.”
Claim duration: 5 months
$520,000 payout
David from Melbourne, VIC
IT professional with severe depression
“After struggling with treatment-resistant depression for years, I couldn’t continue working. My insurer initially claimed my condition wasn’t permanent, but the team gathered compelling medical evidence that secured my claim.”
Claim duration: 9 months
$420,000 payout
Emma from Perth, WA
Nurse with spinal injury
“A car accident left me with permanent spinal damage. Despite having an “own occupation” TPD policy, my claim was denied. The team fought for me through an appeal process and secured a substantial settlement.”
Claim duration: 11 months
$465,000 payout
These are just a few examples of the hundreds of Australians we’ve helped secure TPD payouts. Every case is different, and results may vary depending on individual circumstances.
Discuss Your Claim
Our Commitment
We are committed to putting our clients’ interests first and providing the highest quality service.
Transparent Communication
Regular updates on your claim progress and clear explanations of each step
No Win, No Fee Guarantee
You only pay legal fees if your claim is successful
Compassionate Support
Understanding the challenges you face and providing emotional support throughout
Maximum Compensation
Fighting to ensure you receive every dollar you’re entitled to
Contact Us
Fill in your information to receive free consultation about your claim.
Contact Information
Address
Level 1, 66 Marine Parade, Stradbroke Plaza, Southport Qld 4215
Hotline
Business Hours
Monday – Friday: 9:00 AM – 5:00 PM
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Frequently Asked Questions
Common questions about TPD claims and our services.
What is TPD?
TPD (Total and Permanent Disability) is a type of insurance typically included in superannuation funds or personal insurance policies. It provides a lump sum payment if you suffer an injury or illness that prevents you from continuing to work.
Who is eligible for TPD claims?
Generally, you may be eligible if: (1) You cannot work due to injury or illness; (2) Your condition is expected to be permanent; (3) You have superannuation or personal insurance with TPD coverage; (4) You meet the TPD definition in your insurance policy. Each fund and insurance company may have different conditions.
Accordion Panel
“No win, no fee” means you only pay legal fees if your claim is successful. If we don’t help you receive compensation, you won’t have to pay for our legal services. This helps reduce your financial risk when pursuing a claim.
How long does a TPD claim take?
The processing time for TPD claims can vary depending on the complexity of the case and the superannuation fund or insurance company involved. Typically, the process can take 3 to 12 months. We work to ensure your claim is processed as efficiently and quickly as possible.
Can I claim from multiple superannuation funds?
Yes, if you have multiple superannuation funds with TPD insurance, you can claim from all of them. We will help you identify all potential superannuation funds and insurance policies and assist you in claiming from each fund.