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If an injury has left you unable to work, a Total and Permanent Disability (TPD) claim can help secure your financial future. The good news is, most people in Adelaide already have TPD insurance through their super — even if they don’t know it.

But just having insurance doesn’t mean you’ll automatically get the lump sum payout you deserve. That’s where a skilled TPD lawyer comes in.

Why choose our TPD lawyers?

For over 25 years, our Adelaide TPD lawyers have been helping locals get the compensation they deserve. Here’s what you can expect when you work with us:

  • Dedicated TPD lawyers: our team specialises in TPD claims, so we know the process inside out. We’ll help you navigate your insurance policy, gather the right evidence, and ensure your claim is handled efficiently.
  • Convenient location: our Adelaide office is conveniently located in the CBD. But if you can’t make it to us, we offer phone and video consultations. If you’re unable to travel, we can even come to you.
  • TPD Fee Guarantee: with our TPD Fee Guarantee, you’ll know the exact cost of your claim upfront. We cover all claim-related costs, including medical assessments and expert evidence — and if we don’t win your case, you won’t owe us anything.
  • 30-day risk-free trial: try our services for 30 days, obligation-free. If you decide to cancel during that time, you won’t pay a cent.
  • Financial muscle: beyond Adelaide, we have offices across the country. So that means we can offer the personal service of a local firm backed by the resources of a national one. We’ll give you the strength to stand up to insurers and fight for what you deserve.

Thinking about making a TPD claim? Get in touch with us for a free consultation. We’re here to guide you through the process every step of the way.

Am I eligible to make a TPD claim?

You don’t have to be bedridden or in a wheelchair to qualify for a TPD claim — all you need is to meet the criteria in your policy.

Many TPD policies only require proof that you can’t return to your usual job or any role that fits your skills, experience, and education. For example, if you’ve worked in construction your whole life, you may still qualify for a TPD claim, even if doctors say you could do office work.

That said, TPD policies can be complex, and insurers often interpret them in their favour — not yours. That’s where we come in. Our experienced Adelaide TPD lawyers will carefully review your policy, explain your entitlements, and guide you through the claims process — all at no cost to you.

What conditions can I claim for?

You can make a TPD claim for any condition that permanently stops you from working. Some common examples include:

  • Heart problems.
  • Back injuries.
  • Chronic illnesses e.g. arthritis, diabetes, or asthma.
  • Mental health conditions e.g. PTSD, anxiety, or depression.
  • Auto-immune disorders.
  • Cancer.
  • Degenerative conditions e.g. Alzheimer’s or Parkinson’s.
  • Traumatic brain injuries.

Don’t see your condition listed? Don’t stress — if a permanent health issue is stopping you from working, you’re probably eligible for compensation. To find out if your condition qualifies, call our TPD lawyers or head into our Adelaide office today.

Your TPD claim process: what to expect

In your free consultation, you’ll speak with one of our expert TPD lawyers about your situation. Most of the time, the lawyer you meet will be the same one handling your claim from start to finish, ensuring you receive personal, consistent support throughout the entire process.

Our experienced TPD lawyers will gather your medical records and thoroughly review your TPD insurance policy. Since every policy has unique terms — such as how pre-existing conditions or your age might impact your payout — we’ll explain the fine print and clarify exactly what you’re entitled to.

We may also consult with your doctors to get a clearer understanding of your condition. In some cases, we’ll even reach out to your family and friends to learn more about how your situation affects your daily life, helping us build the strongest case possible for your TPD claim.

Your lawyer will offer free, expert advice on what you’re entitled to and guide you on the best next steps for your TPD claim. They’ll also explore other potential claims, like income protection or common law damages, which could increase your overall payout. This ensures you get the maximum compensation you deserve.

We’ll gather all the necessary evidence for your claim, working closely with your doctors, specialists, and organisations like the ATO, WorkCover, and Centrelink. Our lawyers will also consult with our national network of medical experts to further support your case. Once we’ve collected everything, we’ll prepare your claim, fill out the required forms, and submit them directly to your super fund.

With our 98% success rate and strong negotiation skills, we’ll secure your TPD benefit as quickly as possible. If your super fund tries to delay your claim, we know how to counter their tactics and keep things moving. And if needed, we’re ready to take your claim to court to ensure you get the compensation you deserve.

Meet the team

At Monaco, you’ll have a dedicated TPD lawyer supporting you through every step of the process. Our lawyers specialise solely in TPD claims, so you can trust that they’ll work quickly and efficiently to secure the maximum benefit for you.

But that’s not all. Your lawyer is backed by a collaborative team, all working together to achieve the best possible outcome for your claim.

Get to know your future team below.

Daniella Dababneh
Senior Associate
  • English, Arabic
  • Superannuation, TPD, Life Insurance
Amarni Al Skef
Solicitor
  • English, Arabic
  • Superannuation, TPD, Life Insurance
Leon Monaco
Managing Partner
  • English, Russian
  • Workers Compensation, TPD, Motor Vehicle Accidents, Public Liability
Meet more of the team

Frequently asked questions about TPD lawyers and claims

A skilled Adelaide TPD lawyer will guide you through every step of the process, including:

  • Understanding your policy: TPD policies can be complex, with different policies having different definitions and requirements. For example, ‘permanently disabled’ might mean you can’t work at all or just that you can’t return to your specific role. An expert lawyer will break down your policy’s exact terms and make sure your claim aligns perfectly with them.
  • Meeting policy requirements: every policy has its own conditions, such as waiting periods and medical evidence requirements. Your lawyer will make sure you meet them all, ensuring your claim is as strong as possible.
  • Gathering evidence: your lawyer will collect crucial medical reports, expert opinions, and any other evidence needed. They’ll also challenge any conflicting information insurers might use to deny your claim.
  • Covering costs: with our No Win No Fee arrangement, you won’t pay anything upfront. We’ll cover expenses like medical assessments and legal fees, and you only pay if your claim succeeds.
  • Avoiding delays: insurers sometimes drag their feet, but an experienced lawyer knows how to keep things moving and push back against unnecessary delays.
  • Handling disputes: if your claim is denied, your lawyer will work with the super fund or take legal action if necessary.
  • Maximising payouts: your lawyer will look for any additional claims, like income protection or workers compensation, to ensure you get the maximum payout possible.

We understand that the cost of hiring a TPD lawyer can be a big concern. That’s why we’ve introduced an industry-first TPD Fee Guarantee, designed to give you peace of mind. Here’s what you can expect when working with us:

  • No financial risk: you won’t pay a cent unless we win your claim. And unlike other firms, our guarantee covers all costs related to your claim — not just our legal fees.
  • Fixed fees: while other firms charge by the hour, we offer fixed fees for every TPD claim. This means you’ll know exactly what your claim will cost from the start.
  • No upfront costs: we’ll cover all expenses, including legal fees, medical reports, and expert consultations — so you’re never a cent out of pocket.
  • 30-day risk-free trial: try our services for 30 days. If you’re not satisfied, you can cancel at any time, free of charge.

Want to learn more? Check out our guide to TPD claim fees or contact our expert TPD lawyers today. Your first consultation is completely free.

Most TPD claims typically take around six months to process, but more complex cases can take up to 12 months. The exact timeline depends on several factors:

  • The size of your claim: if your benefit is larger, you may need to provide more evidence to the insurer. In turn, this may take longer for the insurer to review.
  • The severity of your injury: serious conditions may need additional assessments and more supporting evidence, delaying your claim.
  • The terms of your policy: if your policy has a broader definition of TPD, the process might move faster. Stricter definitions can cause delays due to extra evidence or medical test requirements.
  • How well your claim is prepared: having an expert TPD lawyer makes a big difference. We’ll ensure your claim is well-prepared and challenge any unfair requests from insurers to keep things moving.

Our Adelaide TPD lawyers know how to push back against insurer delays and keep your claim on track. Contact us today for a free consultation.

See more FAQs

What our clients say

When you walk through our doors, our top priority is to help you as much as we can. This commitment is shown in over 200 5-star reviews.

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Monaco made the process easy for me, I wouldn't have succeeded on my own.

My experience with Monaco has been very good. Having commenced my TPD super claim myself, I soon was overwhelmed by the requirements. Although my claim was pretty small compared to others which make headlines, Monaco offered their services on a no win no fee basis.

Google Posted by Cephas G
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They took care of every detail, supporting me every step of the way.

The team at Monaco Solicitors are outstanding. I was broken and had no capacity to lodge a claim. My toxic employer had me believe I was worthless. My medical expenses were adding up and I could not access treatment due to the cost. Daniella Dababneh and her team stepped in and nurtured me through the complicated process of lodging my TPD claim.

Google Posted by Aldo Virzi
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Today, after only 8 weeks, I got the best news: my claim was successful!

Today I received the best call of my life. It’s finally here, and I couldn’t be happier! I was referred to Monaco solicitors by my sister in law after sustaining work injuries. From the moment I contacted them the whole process was easy and I was always well informed.

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Monaco's help reduced a 12-month process to just a few months.

My father originally found Monaco online for super claims,. They had discussed with him in great detail the processes and had been kind and very helpful a few years ago. When needing help with my mothers super claim I knew I could trust Monaco again.

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Thank you for accomplishing so much in such a short time.

Great communication, empathy and understanding. My case worker Daniella was a saint, understanding and patient and always passing on any updates in record time.

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Good result! We had a complicated claim but they got the job done.

My brothers and I had a complicated claim. I found Ben Ralph to be very helpful, himself and Sally Sutton worked hard for just over a year to get through our claim. They achieved a good result and got the monies paid to myself and my brothers.

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I knew it from the very first phone call: I had found a compassionate law firm.

Monaco Solicitors, I have no hesitation in recommending Daniella Dababneh and her team. After I suffered a serious workplace accident, I was in need of legal help.

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They helped me juggle my injury claim and my mum's full-time care.

I highly recommend Monaco Solicitors. I was claiming PI through my superannuation for workplace injuries. They were doing a no win no fee which was great as I am a carer for my mum and don’t earn much.

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Monaco helped me get much more compensation than I expected.

Monaco Lawyers helped me to receive compensation for an ongoing injury I sustained after I was simply driving home from work and was driven into head on by an incompetent and negligent driver who I believe was texting at the time of the accident.

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I can't recommend Monaco enough for their help in securing my future financially.

Monaco Solicitor’s helped me get the best outcome financially for my future after work place injuries left me unable to return to work, my WPI claim was handled by Medea, Jo and Chantel for the main part and although stressful for me at times they always reassured me and kept me up to date throughout the whole process.

Google Posted by Adam Russo

Contact our expert TPD Lawyers in Adelaide today

We have the experience you can count on

98%
SUCCESS RATE
25
YEARS EXPERIENCE
9,403
CLAIMS WON
$650m
COMPENSATION PAYOUTS

Darren's Story

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Darren got a response within an hour. “Monaco took the stress out of everything.”

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