Total and Permanent Disability claims

Unable to do your regular work because of injury or illness? We can help you claim TPD through your super fund or insurance policy.

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Frequently Asked Questions

Am I eligible for TPD?

Yes, if you have an illness or injury that permanently affects your ability to do your regular job, then most likely you are eligible for TPD.

TPD, or Total and Permanent Disability, is a lump sum payment you claim from your super fund or insurance policy. It’s in addition to your super contributions. You don’t have to be completely disabled, or prove that someone was at fault to make a successful claim. Just that you can no longer do your normal work.

I can still do some work, can I still claim?

Yes. You don’t have to be in a wheelchair or bedridden to make a TPD claim. You just have to prove that you can’t to do your regular job, or any other job for which you are qualified, or have the experience. So, if you have spent your life working in construction, you still have a TPD claim even if the doctors say you are well enough to work in an office.

I wasn’t injured at work, can I still claim TPD?

It doesn’t matter where the injury (or illness) happened, or began. You have a TPD claim even if you were injured outside of work. But if it did happen at work, we will advise you of any other Workers Comp and Common Law claims you might have.

No-one was at fault, can I still claim TPD?

Yes, you don’t have to prove that someone was at fault to make a TPD claim. It really doesn’t matter how your illness or injury came about.

What sort of injuries and illnesses are considered “total and permanent disability”?

Everything and anything that stops you doing your normal work permanently is included. Some of the types of illnesses and injuries we see frequently include shoulder conditions, heart conditions, cancer, anxiety, depression and stress. This is not a complete list, so if you’re not sure, contact us and one of our team will advise you.

How long will my claim take?

This depends on the insurer and the complexities of your claim. We have developed procedures which allow your claims to be fast-tracked through the system. Generally, claims take between 3 to 6 months after lodgement, but we have had some of our TPD claims, like Darren’s, accepted in less than a month.

Do I need a lawyer for a TPD claim?

Super funds and insurers make it really difficult for self-represented claimants to get the benefits they’re entitled to. They can practice delaying tactics. Or reject your claim on unfounded reasons. Many of our TPD clients come to us having been rejected by the insurers. If you have one of our expert lawyers representing you, we can cut through all this and get you the entitlements that you deserve.

It can be a relief not to have the stress of dealing with large institutions. If we run your claim for you, we fill out all the forms, deal with all the insurers, doctors, ATO, Centrelink and your workers comp insurer on your behalf.

What can be done if my TPD claim is rejected?

If the insurer has rejected your claim, we are happy to provide a free second opinion on how to dispute the decision. We have a solid track record of successfully challenging and overturning unfair determinations made by super funds and insurance companies.

Strict time limits may apply to dispute TPD decisions, so talk to a TPD expert lawyer as soon as possible.

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98% Success Rate

We win the overwhelming majority of our cases. This doesn’t just happen. It’s hard, diligent work that gets these results. We leave nothing to chance in preparing your claim, so you get the result you deserve.

Why choose our team of TPD Lawyers?

A lot of law firms can handle a simple TPD claim. Not all law firms will do what we do. In 2020 alone, we won our clients $58 million in TPD and associated disability insurance claims.

We understand that when you can no longer work your main job, it’s vital that you secure your future in other ways. When you trust us with your claim, our TPD Team will take the time to thoroughly explore your legal position. Investigating all the other claims you might have and not be aware of.

TPD claims can be complex. When you put our experience in your corner, your chances of maximising your entitlements get much, much greater.

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Award-Winning Lawyers

In 2020, we were awarded “Compensation Law Firm of the Year in Australia” (Global Law Experts) and “Personal Injury Compensation Law Firm of the Year” (ACQ5). Get peace of mind knowing your TPD claim is in good hands.

TPD Specialists

We have a large team dealing exclusively with TPD, headed up by Accredited Specialislts who know TPD inside and out. So no matter how complex your claim, we have the expertise to handle it successfully.

We Maximise Your TPD Payout

Don’t let the insurance companies pay you less than your claim is worth. Know that all of our lawyers make it their business to get you maximum entitlements.

Our Unique Perspective

Many of our lawyers worked for insurers before joining us, so we know how to cut through the strategies and tactics insurance companies might use to put you off or decline your claim.

36 Offices Australia Wide

With offices all over Australia, we can help you wherever you are. And if you are too sick to travel, we can organise video conferencing, or come to you in person.

Fast-Tracked Claims

We have developed procedures that mean your claim can be lodged quickly, so you get to access your valuable benefits sooner.

What to expect during your TPD Claim Process

You might feel daunted by the TPD claims process. But don’t worry. You’ll have your own lawyer to will guide and support you through from start to finish. We will handle everything, so you can focus on your recovery.

  1. You get in touch You get the ball rolling by telling one of our team what happened. It’s most likely this lawyer who will see your claim through to it’s successful completion.
  2. We investigate your policy Your lawyer will get all the details of your insurance cover/s and the documents necessary to lodge a claim.
  3. We meet to explain your entitlements Once your lawyer knows the details of your cover, you will get free advice about what you’re entitled to and which way to proceed. Your lawyer will also let you know if you have other claims, in addition to TPD.
  4. We gather more evidence, and prepare and submit your claim If you decide to engage us, we start collecting evidence from 3rd parties to support your claim. That includes doctors, the ATO, Workcover, Centrelink and any additional medical reports we need. If you need an interpreter, we can organise this as well. Your lawyer will draft detailed legal submissions and complete all your claim forms and send these to your fund/s.
  5. Your TPD claim is successful You can tell us how you want to receive your benefit and we make sure that you get the money as soon as possible.

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