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      If an injury or illness has left you permanently unable to work, a Total and Permanent Disability (TPD) claim can provide essential financial help. Depending on your situation, you could receive a substantial lump sum payment. Most people in Canberra automatically have TPD insurance through their super policy — so you’re probably eligible without even realising it.

      Unfortunately, making a TPD claim isn’t as simple as having TPD insurance — you’ll need to meet all the requirements of your specific policy. That’s where an expert TPD lawyer can help.

      Why choose our TPD lawyers?

      For over 25 years, our Canberra TPD lawyers have been helping locals secure the compensation they deserve. Here’s what sets us apart:

      • Dedicated TPD lawyers: with a team working exclusively in TPD claims, we know the process inside and out. We’ll help you understand your insurance policy, gather essential evidence, and ensure your claim is handled efficiently.
      • Convenient location: our Canberra office is centrally located in the CBD. Can’t make it in? We offer phone and video consultations and can even visit you if needed.
      • TPD Fee Guarantee: with our TPD Fee Guarantee, you’ll know the exact cost of your claim before we start work. We also cover all upfront costs like medical assessments and expert reports. And if we don’t win, you won’t owe us a cent.
      • 30-day risk-free trial: every claim comes with a 30-day trial, so you can evaluate our services before committing. If you choose to cancel during this trial, there’s nothing to pay.
      • Financial muscle: beyond our Canberra office, we have locations nationwide. This means you’ll get personalised local service backed by the strength and resources of a national firm.

      Thinking about making a TPD claim? Contact us 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 criteria outlined in your policy.

      For instance, some TPD policies only require evidence that you can’t return to your usual job or any role that matches your skills, experience, and education. So, say you’ve spent your career in construction, you may still qualify for a TPD claim even if doctors say you could do office work.

      Unfortunately, TPD policies are open to interpretation — and insurers often interpret them in ways that benefit them, not you. That’s where we come in. Our Canberra TPD lawyers have over 25 years’ experience in policy interpretation and can assist with every aspect of your case. In a free consultation, we’ll thoroughly review your policy, clarify your entitlements, and guide you through the claims process — completely free of charge.

      What conditions can I claim for?

      Generally speaking, you can make a TPD claim for any condition that permanently affects your ability to work. Some of the most common conditions include:

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

      Don’t see your condition listed? Don’t worry — if a permanent health issue is preventing you from working, you probably have a TPD claim. To find out if your situation qualifies, get in touch with our Canberra TPD lawyers today.

      Your TPD claim process: what to expect

      While all TPD claims are unique, your claim will likely follow these steps:

      During your free consultation, you’ll meet with one of our expert TPD lawyers to discuss your situation. In most cases, the lawyer you speak with will be the same one handling your claim from start to finish, providing you with personal and consistent support every step of the way.

      Our experienced TPD lawyers will collect your medical records and carefully go through your TPD insurance policy. Every TPD policy has unique terms (such as how pre-existing conditions or your age might impact your total payout) we’ll break down how your policy works and clarify exactly what you’re entitled to.

      We may also speak with your doctors to gain a better understanding of your condition. In some cases, we’ll even speak with your family and friends to learn how your situation affects your daily life. This comprehensive approach helps us build the strongest case for your TPD claim.

      Your lawyer will provide free, expert advice on your entitlements and guide you on the best next steps for your TPD claim. They’ll also explore other potential claims, such as income protection or common law damages, that could boost your overall payout. This ensures you receive the maximum compensation for your condition.

      We’ll gather all the necessary evidence for your claim by 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 strengthen your case. Once we have everything, we’ll prepare your claim, complete the required forms, and submit them to your super fund.

      With our 98% success rate and strong negotiation skills, we’re committed to securing 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 the process on track. And if necessary, we’re fully prepared to take your claim to court to ensure you receive the compensation you deserve.

      Meet the team

      At Monaco, you’ll have a dedicated TPD lawyer by your side, guiding you through every step of the process. Our lawyers specialise exclusively in TPD claims, so they’ll work quickly and efficiently to secure the maximum benefit for you.

      But that’s just the beginning. Your lawyer is supported by a collaborative legal team, all focused on achieving the best possible outcome for your claim.

      Meet the team who’ll be working with 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 Canberra TPD lawyer will guide you through every step of the process, including:

      • Understanding your policy: TPD policies can be complex and each contains different definitions you’ll need to meet. For instance, ‘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 the exact terms of your policy and ensure your claim aligns with them.
      • Meeting policy requirements: every policy has its own conditions, such as waiting periods and medical evidence requirements. Your lawyer will ensure you meet them all, making your claim as strong as possible.
      • Gathering evidence: your lawyer will collect key medical reports, expert opinions, and any other evidence needed to support your claim. They’ll also challenge any conflicting evidence the insurer may use to delay or deny your claim.
      • Covering costs: with our No Win No Fee guarantee, we cover all upfront fees and there’s nothing to pay until we win your claim. If we’re unsuccessful, you’ll never get a bill from us.
      • Avoiding delays: insurers can 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 negotiate with the super fund or challenge their decision. If they’re still being unfair, we won’t hesitate to take legal action.
      • Maximising payouts: your lawyer will explore all your additional claims, such as 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 major concern. That’s why we’ve introduced an industry-first TPD Fee Guarantee to give you peace of mind. Here’s how it works:

      • No financial risk: you won’t pay a cent unless we win your claim. 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, so 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’ll never be out of pocket for your claim.
      • 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 usually 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, which can take longer for them to review.
      • The severity of your injury: serious conditions might require additional assessments and more supporting evidence, potentially delaying your claim.
      • The terms of your policy: if your policy has a broader definition of TPD, the process may move faster. In contrast, stricter definitions could cause delays due to extra evidence or medical test requirements.
      • How well your claim is prepared: having an expert TPD lawyer on your side can make a huge difference. We’ll ensure your claim is well-prepared and challenge any unfair requests from insurers to keep things moving.

      Our Canberra 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

      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.

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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 Canberra today

      Email us 1300 769 665

      We have the experience you can count on

      98%
      SUCCESS RATE
      25
      YEARS EXPERIENCE
      8,967
      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.”

      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