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      If you’re unable to work because of an injury, a Total and Permanent Disability (TPD) claim offers the financial support you need to secure your future. The good news is that most people in Melbourne already have TPD insurance through their super — even if they don’t know it.

      But having TPD insurance doesn’t mean you’ll automatically get the payout you deserve. That’s where having an expert TPD lawyer on your side makes all the difference.

      Why choose our TPD lawyers?

      For more than 25 years, our Melbourne TPD lawyers have helped thousands of locals get the payouts they’re entitled to. Here’s what you can count on when you choose us:

      • Dedicated TPD lawyers: our team focuses solely on TPD claims. We understand the process inside and out — from navigating complex insurance policies to collecting the right evidence to build a strong case. With our expertise, your claim is handled quickly and efficiently, helping you get your TPD benefit sooner.
      • Convenient location: our Melbourne office is right in the heart of the CBD. But if that’s not ideal for you, we offer phone or video consultations. And if you can't make it to us, our TPD lawyers are happy to visit you.
      • TPD Fee Guarantee: with our unique TPD Fee Guarantee, your fees are set from the start. We cover all claim-related costs, including medical evidence — and 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 with no financial risk. If you decide to cancel during this time, you won’t pay a thing.
      • Financial strength: with offices throughout Victoria and across the country, we combine the personal service of a local firm and the resources of a national one. While insurers may have deep pockets, our experienced TPD lawyers provide the support you need to stand strong and fight for what you deserve.

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

      Am I eligible to make a TPD claim?

      You don’t have to be bedridden or stuck in a wheelchair to qualify for a TPD claim — you just need to meet the terms of your policy.

      Many TPD policies only need proof that you can’t do your usual job or any work that suits your skills, education, and experience. For example, if you’ve worked in construction your whole career, you might still be eligible for a TPD claim, even if doctors say you can do office work.

      Like any contract, TPD policies can be open to interpretation — and unfortunately, insurance companies often interpret them in ways that benefit them, not you. That’s where we come in. Our experienced Melbourne TPD lawyers will go over your policy, explain your rights, and help you understand your claim — free of charge.

      What conditions can I claim for?

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

      • Heart conditions.
      • Back and spinal cord injuries.
      • Chronic health conditions (e.g. arthritis, diabetes, asthma).
      • Mental health conditions (e.g. PTSD, anxiety, depression).
      • Auto-immune disorders.
      • Cancer.
      • Degenerative conditions (e.g. Alzheimer’s, Parkinson’s).
      • Traumatic brain injuries.

      Don’t worry if your condition isn’t listed here. If you’re permanently unable to work, you’re probably eligible for compensation. To find out if your condition qualifies, simply reach out. Our expert TPD lawyers will assess your situation for free, either over the phone or at our convenient Melbourne office.

      Your TPD claim process: what to expect

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

      In your free consultation, you’ll have a chat with one of our specialist TPD lawyers about your situation. In most cases, the lawyer you meet with will handle your claim from start to finish, giving you personal service and consistent support throughout the entire process.

      Our experienced TPD lawyers will gather your medical records and carefully review your TPD insurance policy. Every policy has unique terms — including how pre-existing conditions and age might impact your payout — but we’ll help you navigate the legal jargon and explain exactly what you’re entitled to claim.

      We may also reach out to your treating doctors to better understand your condition. In some cases, we’ll connect with your family and friends to get a full picture of how your condition affects your daily life. This approach helps us build the strongest possible case for your TPD claim.

      Your lawyer will offer free, expert advice on what you’re entitled to and the best steps to take with your TPD claim. They’ll also check if you have other potential claims, like income protection or common law damages, which could significantly increase your overall compensation. This ensures you get the maximum compensation possible for your situation.

      We’ll gather solid evidence of your condition from key sources like your doctors, specialists, the ATO, WorkCover, and Centrelink. Additionally, we’ll tap into our national network of medical experts to provide expert testimony that strengthens your claim. Once we’ve collected all the necessary evidence, we’ll fine-tune your case, fill out the required claim forms, and submit them directly to your super fund.

      With our proven negotiation skills and a 98% success rate, we’ll work to secure your TPD benefit quickly. If your super fund is delaying your claim, we have effective strategies to speed things up. And if needed, we’re fully 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 every step of the way. Our lawyers focus solely on TPD claims, making them true specialists who will secure your maximum benefit as efficiently as possible.

      But you won’t be relying on just one expert — your lawyer is backed by a tight-knit legal team working together to achieve the best possible outcome for you.

      Get to know your future team 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 Melbourne TPD lawyer can guide you through every step of your claim, including:

      • Understanding your policy: TPD policies can be complex, with terms often varying between policies. For example, ‘permanently disabled’ could 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 aligns with the exact definitions in your policy.
      • Meeting policy requirements: each policy has unique conditions, like waiting periods and medical evidence requirements. A lawyer will make sure you meet every condition to give your claim the best chance of success.
      • Gathering evidence: your lawyer will collect medical reports, expert opinions, and other key evidence to support your claim. They’ll also challenge any conflicting evidence from insurers.
      • Covering costs: if you work with a No Win No Fee firm like Monaco, we’ll cover all upfront costs — including medical assessments and legal fees — so you won’t pay a cent until your claim is successful.
      • Avoiding delays: insurers sometimes delay claims unfairly, but a skilled lawyer knows their tactics and how to speed up the process.
      • Handling disputes: if your claim is denied or disputed, a lawyer will negotiate with the super fund or challenge their decision.
      • Maximising payouts: your lawyer will look for additional claims, like income protection or workers compensation, to ensure you get the highest possible payout.

      We understand that many people hesitate to hire a TPD lawyer because they’re worried about the cost. That’s why we offer an industry-first TPD Fee Guarantee, so you can expect:

      • No financial risk: you pay nothing 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 firms charge by the hour, causing clients unnecessary stress. We believe that’s unfair, so we offer fixed fees on every TPD claim. You’ll know exactly what your claim will cost from the start.
      • No upfront costs: we cover all expenses like legal fees, medical reports, and expert consultations, so you get the best representation with no upfront costs.
      • 30-day risk-free trial: try our services for 30 days, obligation-free. If you’re not satisfied, you can cancel anytime without paying a cent.

      To learn more, check out our guide to TPD claim fees or get in touch with our expert TPD lawyers today. Your first consultation is completely free.

      Most TPD claims take around six months to complete, though more complex cases can take up to 12 months. The exact timeframe depends on:

      • The size of your claim: if your benefit is larger, the insurer may require more evidence, which can take time to gather.
      • How severely you’re injured: serious conditions often need more evidence, and insurers may request additional assessments of your condition.
      • The terms of your policy: a broader definition of TPD may speed up your claim, while stricter definitions could lead to delays due to extra evidence or medical test requirements.
      • How well your claim is prepared: it’s essential to work with an expert TPD lawyer to make sure your claim is properly prepared. We’ll also challenge any unfair insurer requests to prevent unnecessary delays.

      Our expert Melbourne TPD lawyers are skilled at keeping your claim on track and pushing back against insurer delays. Get in touch with us today for a free consultation.

      See more FAQs

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      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 Melbourne 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

      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