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      If an injury has left you unable to work, a Total and Permanent Disability (TPD) claim provides a lump sum payout to secure your future. Most people in Brisbane already have TPD insurance through their super policy — even if they don’t realise it.

      Unfortunately, having TPD insurance doesn’t guarantee you’ll get the payout you deserve. That’s where having an expert TPD lawyer on your side can really make a difference.

      Why choose our TPD lawyers?

      For over 25 years, our Brisbane TPD lawyers have helped thousands of locals get the payouts they’re entitled to. 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 and out. From navigating complex insurance policies to gathering the right evidence, we make sure your claim is handled quickly and efficiently, helping you get your TPD benefit faster.
      • Convenient location: our Brisbane office is centrally located in the CBD. If that's not convenient for you, we also offer phone and video consultations. And if you can’t make it to us, we’re happy to come to you.
      • TPD Fee Guarantee: with our unique TPD Fee Guarantee, your fees are set upfront. We cover all claim-related costs, including medical evidence. Plus, if we don’t win your case, you won’t owe us a cent.
      • 30-day risk-free trial: try our services for 30 days. If you decide to cancel during this time, you won’t pay a thing.
      • Financial strength: beyond our Brisbane office, we have locations across the country. That means we can offer the personal service of a local firm, backed by the resources of a national one. While insurers may have deep pockets, our experienced TPD lawyers give you the support you need to stand strong and fight for what you deserve.

      Thinking about making a TPD claim? Contact our lawyers today for a free consultation. We’re here to guide you every step of the way.

      Am I eligible to make a TPD claim?

      You don’t need to be bedridden or in a wheelchair to qualify for a TPD claim — you just need to meet the conditions set out in your policy.

      Many TPD policies only require proof that you can’t return to your usual job or any role that matches your skills, education, and experience. For example, if you’ve worked in construction your entire career, you could still qualify for a TPD claim, even if doctors say you’re capable of doing office work.

      However, TPD policies can be complicated, and insurers often interpret them in ways that work in their favour — not yours. That’s where we come in. Our experienced Brisbane TPD lawyers will review your policy, explain your entitlements, and guide you through the claims process — all for free.

      What conditions can I claim for?

      You can make a TPD claim for any condition that permanently impacts your ability to work. Some common examples include:

      • Heart problems.
      • Back and spinal cord injuries.
      • Chronic illnesses like arthritis, diabetes, or asthma.
      • Mental health conditions like PTSD, anxiety, or depression.
      • Auto-immune disorders.
      • Cancer.
      • Degenerative conditions such as Alzheimer’s or Parkinson’s.
      • Traumatic brain injuries.

      Not seeing your condition listed? Don’t worry — if you can’t work due to a permanent health issue, you’re probably eligible for compensation. To find out if your condition qualifies, just reach out to our TPD lawyers, either over the phone or at our Brisbane office.

      Your TPD claim process: what to expect

      Every TPD claim is different, but your claim will most likely go through the following steps:

      During your free consultation, you’ll chat with one of our specialist TPD lawyers about your situation. In most cases, the lawyer you speak with will be the same one guiding your claim from start to finish. That means you’ll get personal service and consistent support every step of the way.

      Our experienced TPD lawyers will collect your medical records and dive deep into your TPD insurance policy. Every policy has unique terms, such as how pre-existing conditions or your age might affect your payout. We’ll break down the fine print and explain exactly what you’re entitled to.

      We may also speak with your doctors to get a clearer picture of your condition. In some cases, we’ll even check in with your family and friends to understand how your situation impacts your daily life. This helps us build the strongest possible case for your TPD claim.

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

      We’ll collect strong evidence about your condition from trusted sources like your doctors, specialists, the ATO, WorkCover, and Centrelink. Your lawyer will also consult our national network of medical experts for expert opinions to support your claim. Once we’ve gathered everything, we’ll refine your case, complete the necessary claim forms, and submit them directly to your super fund.

      With our 98% success rate and proven negotiation skills, we’ll work hard to secure your TPD benefit as quickly as possible. If your super fund drags its feet, we know exactly how to push them into action. And if it comes down to it, we’re fully prepared 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 by your side, guiding you through every stage of the process. Our lawyers specialise exclusively in TPD claims, so you can trust they’ll secure your maximum benefit, quickly and efficiently.

      But it doesn’t stop there. Your lawyer is part of a supportive, collaborative legal team, all working together to ensure the best possible outcome for your claim.

      Meet the team that will be working for you below.

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

      Frequently asked questions about TPD lawyers and claims

      A skilled Brisbane TPD lawyer can support you every step of the way, including:

      • Understanding your policy: TPD policies can be extremely complicated, with each having different definitions and requirements. For instance, depending on your policy, ‘permanently disabled’ might mean you can’t work at all or just that you can’t return to your specific field. An expert lawyer will ensure your claim matches your policy’s exact terms.
      • Meeting policy requirements: each policy has unique conditions, such as set waiting periods and specific medical evidence requirements. A lawyer will ensure you meet every requirement to strengthen your claim.
      • Gathering evidence: your lawyer will collect medical reports, expert opinions, and other key evidence. They’ll also challenge any conflicting information insurers might use to deny your claim.
      • Covering costs: with a No Win No Fee firm like ours, you won’t pay anything upfront. We’ll cover expenses like medical assessments and legal fees, so you only pay if your claim succeeds.
      • Avoiding delays: insurers sometimes drag out claims, but an experienced lawyer knows how to keep the process moving and push back against delays.
      • Handling disputes: if your claim is denied, a lawyer will negotiate with the super fund or challenge the decision if needed.
      • Maximising payouts: your lawyer will see whether you’re eligible for any additional claims, like income protection or workers compensation, ensuring you get the highest possible payout.

      We get that many people worry about the cost of hiring a TPD lawyer. That’s why we’ve introduced an industry-first TPD Fee Guarantee. Here’s what you can expect when working with us:

      • No financial risk: you won’t pay a cent unless we win your claim. Unlike other firms, our guarantee covers every cost related to your claim — not just our legal fees.
      • Fixed fees: many law firms charge by the hour, which can add stress and uncertainty. We believe that’s unfair, so we offer fixed fees for every TPD claim. You’ll know exactly what your claim will cost from the start.
      • No upfront costs: we’ll cover all expenses, like legal fees, medical reports, and expert consultations, so you can get the best representation without paying anything upfront.
      • 30-day risk-free trial: try our services for 30 days, obligation-free. If you’re not happy with our service, you can cancel anytime, and you won’t owe us a thing.

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

      Most TPD claims take about six months to finish, but more complex cases can take up to 12 months. The precise timeline depends on a few factors:

      • The size of your claim: if your benefit’s larger, your claim may require more evidence and it could take more time for the insurer to review.
      • The severity of your injury: if your condition is serious, the insurer may request additional assessments and you may need more evidence.
      • The terms of your policy: if your policy has a broader definition of TPD, your claim could move faster. On the other hand, stricter definitions might cause delays due to additional evidence or medical test requirements.
      • How well your claim is prepared: having an expert TPD lawyer on your side is key to getting your claim prepared properly. We’ll also challenge any unfair requests from insurers to avoid unnecessary delays.

      Our expert Brisbane TPD lawyers know how to keep your claim moving forward and push back against insurer delays. Contact us today for a free consultation.

      See more FAQs

      Get free legal advice

      Find out if you have a claim today.

      Start your claim check Make an enquiryCall 1300 769 665
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      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.

      Google
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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.

      Google Posted by Cherie Mundkowski
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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.

      Google Posted by Carlee Ward
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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.

      Google Posted by Danial Anderson
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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.

      Google Posted by Sarah Pagel
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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.

      Google Posted by Scott Holden
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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.

      Google Posted by Ellen Smith
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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.

      Google Posted by Debby McDonald
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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
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      Contact our expert TPD Lawyers in Brisbane today

      Email us 1300 769 665

      We have the experience you can count on

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

      Darren's Story

      2:18m watch

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

      Get free legal advice

      Use our online claim checker to instantly find out if you have a claim. Alternatively, just give us a ring — our expert lawyers are always ready to answer your questions.

      Start your online claim check Call 1300 769 665 Email us