Injury or illness preventing you from working?
If an injury, illness or mental health condition stops you from working permanently, you may qualify for a TPD lump sum payment through your superannuation.
The Personal Injury Lawyers offer clear, compassionate guidance with no upfront fees and a no win, no fee guarantee. Our experienced TPD lawyers in Brisbane and the Gold Coast can assist if your inability to work is due to:
- Chronic illness or cancer
- Heart attack or stroke
- Injuries from accidents
- Mental health conditions (e.g., PTSD, depression)
- Permanent impairment or terminal illness
We’ll help you navigate your superannuation insurance policy and pursue the TPD insurance payout you deserve.
What is total and permanent disability insurance?
Total and Permanent Disability (TPD) insurance is often included in your superannuation insurance policy or available as a standalone cover. It provides a lump sum disability benefit if you’re permanently unable to work due to injury or illness.
Unlike workers’ compensation, total and permanent disability (TPD) claims don’t need to be work-related. Chronic illnesses, serious injuries, or mental health conditions like cancer, stroke, or PTSD may qualify if they prevent suitable employment.
Definitions of TPD can vary between insurance companies. Some focus on your current occupation, others on any suitable job. A total and permanent disability lawyer can interpret your policy clearly. Most claims require detailed medical evidence, although some terminal illnesses may qualify automatically.
For a more detailed explanation of how TPD works, visit our What is TPD? Page.
Unsure if you qualify? Contact Us to speak with the TPD lawyers Brisbane and Gold Coast residents trust for clear, practical guidance.
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How do I make a total and permanent disability claim?
If you’re permanently unable to work due to illness or injury, you may be eligible to make a TPD superannuation claim. If you have multiple super funds, you may be able to lodge more than one claim. Most policies require you to be off work for at least six months before you can apply.
Once you’re ready to claim, our expert TPD claim lawyers can help with paperwork, medical reports, statutory declarations, and supporting documents like payslips. Your insurer will then assess whether you meet the eligibility criteria.
If your claim is approved, you’ll receive a lump sum payment to help cover income loss, medical treatment and other expenses. If your claim is denied, you may have the right to appeal.
TPD eligibility can be complex, so it’s worth seeking legal advice early. An experienced TPD insurance lawyer from our team can guide you through the process and improve your chances of a successful outcome.
Not sure if you’re eligible? Use our 30-second TPD compensation checker to find out.
What steps are involved in a TPD claim?
Making a successful TPD claim isn’t just about filling out forms. It requires understanding your policy, meeting strict eligibility criteria, and providing strong supporting evidence. Our TPD claim lawyers are here to help you understand the difficult and confusing TPD claims process in 7 simple steps.
Step 1: Determining what’s in your policies
Firstly, we identify all of your TPD policies, no matter how many you have. Having multiple TPD policies is common and usually the result of acquiring several superannuation funds over time. Our TPD lawyers can assist you by gathering your member statements, identifying which of your super funds include TPD policies, and ensuring that no opportunity to claim is overlooked.
Step 2: Validating Your Policies
For your TPD claim to be successful, the policy must have been valid at the time you became injured or ill. This can sometimes be a complex matter, especially if your condition has developed over time. Our TPD insurance lawyers can help you determine which of your superannuation policies were valid at the relevant time and guide you through the nuances of this requirement.
Step 3: Reviewing Approval Criteria
Each TPD policy has specific criteria for what qualifies as a valid claim. Our legal team will thoroughly review the terms of your policies to understand the requirements for a lump sum payout, such as whether you’re unlikely to return to your current occupation or any occupation at all. We will clarify the policy terms and how they apply to your situation.
Step 4: Submitting a Thorough Application
A well-prepared application is crucial to the success of your TPD claim. To help a TPD claim, comprehensive evidence must be provided. Our expert TPD claim lawyers will compile all necessary documentation and submit an application on your behalf, increasing the likelihood of success and minimising mistakes and delays.
Step 5: Developing a Successful TPD Claim
A strong claim explains how your circumstances meet the criteria outlined in your TPD policy. Our legal team specialises in drafting submissions, which demonstrate to insurers that your claim is valid and professionally prepared. This step is often critical in avoiding claim rejection.
Step 6: Proactive Follow Ups
Our TPD lawyers will proactively follow up with the claim assessor, ensuring that your application is progressing and that any additional information required is promptly provided.
Step 7: Navigating The Claims Process
If your TPD claim is rejected, it’s not necessarily the end. Our TPD lawyers, Brisbane and Gold Coast-wide, have 4 decades of experience and will guide you through the claims process, advocating on your behalf to secure the payout you deserve.
By choosing The Personal Injury Lawyers, we can guide you through the TPD claim process with confidence and expertise, knowing that every step is handled by established professionals dedicated to achieving the best possible chance of success.
Do I need a lawyer for a TPD claim?
Total and permanent disability insurance claims can be a long and confusing process. Which is the last thing you want when you’re already experiencing the physical, emotional and financial hardship of your injury or illness. Most TPD compensation claims can take between 12 to 18 months. However, your TPD insurance claim could still be rejected, which means you would need to file court proceedings to appeal the decision.
To successfully claim TPD, you must be able to show that your injuries or illness are severe enough that you will never be able to return to work. This can be difficult to prove on your own. We advise seeking TPD claims advice as soon as possible to ensure your rights are protected. We have TPD lawyers Gold Coast and Brisbane-wide to help make sense of your policy’s criteria and gather the evidence needed to claim TPD benefits.
We understand that suffering any severe injury or illness can leave you feeling overwhelmed and unsure of what to do next. Our TPD lawyers are here to provide the support and expertise you need when claiming TPD. Our goal is to make the TPD claims process as simple as possible. We also offer legal services on a no win, no fee basis, so you only pay legal fees if your claim is successful.
What is the average payout for TPD insurance claims?
The amount that you may receive from a superannuation TPD payout will depend on a range of factors, including the severity of your injuries, age, occupation, and the level of TPD cover included in your insurance policy.
The typical TPD payout in Australia can be anywhere from $30,000 and $450,000, however every claim and TPD policy is different. A highly experienced TPD lawyer from our team can review your case and advise you on how much you could expect to receive from a successful claim for total and permanent disability.
TPD lawyers Brisbane & Gold Coast – FAQS
A TPD lump sum payment can help cover lost income, rehabilitation, medical expenses, and provide ongoing financial assistance. It’s a type of disability insurance benefit paid through your superannuation insurance policy if you’re unable to work again due to a medical condition, mental health claim, or physical injury.
Yes, if you’ve had multiple superannuation accounts with separate TPD insurance cover, you may be eligible to make multiple TPD claims. You can meet our team members, who are the professionals to assist with your TPD insurance coverage and payouts. They will identify active policies and lodge each TPD insurance payout properly on your behalf.
Yes. Income protection insurance and TPD cover are different types of benefits. Income protection usually provides short-term payments while you’re dealing with a temporary disability. TPD, on the other hand, pays a lump sum if you’re permanently unable to work. Both may be part of your superannuation insurance benefits, and you may be able to claim under both policies if eligible.
A rejected claim isn’t necessarily the end. Our Brisbane TPD lawyers and TPD Lawyers Gold Coast team can help review your case, identify missing medical evidence, and challenge the insurer’s decision. You may still be eligible for a successful TPD claim Brisbane, Gold Coast, or Queensland-wide.
While it’s not mandatory, working with an experienced team of highly experienced TPD lawyers gives you a clearer understanding of your rights and obligations. We offer professional legal advice and a free case review, guiding you through the entire process to improve your chances of a successful outcome.
Some super funds offer both TPD and death benefits under the same policy, but they are separate types of cover. TPD benefits support you if you become permanently unable to work, while death benefits go to your nominated beneficiaries. Our Gold Coast & Brisbane TPD claim lawyers can explain what your cover includes.
Legal fees for TPD claims can vary depending on the complexity of your case. Factors that may influence the cost include the number of superannuation fund policies involved, how much medical evidence is required, whether the claim has previously been denied, and how long the insurer takes to assess it.
At The Personal Injury Lawyers, we operate on a no win no fee basis, so you won’t pay legal fees unless your claim is successful. We also offer a free case review so you can understand your options before committing to TPD claims in Brisbane or the Gold Coast.
