TPD Claims: What You Need to Know if You Can No Longer Work
If you’ve had to stop working due to a serious illness or injury, you may be eligible to claim a Total and Permanent Disability (TPD) benefit through your superannuation.
At TPIL Lawyers, we understand how overwhelming this time can be — physically, emotionally, and financially. We’re here to help you access the insurance benefits you may already be entitled to.
What Is TPD?
Total and Permanent Disability (TPD) insurance is cover provided through most superannuation funds. It pays a lump sum if you’re permanently unable to work again in your usual job — or any job suited to your skills, training, or experience — due to illness or injury.
This cover is often included automatically, even if you never took out a policy yourself.
Who Can Make a TPD Claim?
You may be eligible to claim TPD if:
You’ve permanently stopped working due to a medical condition
You were working when the illness or injury occurred
You’re unlikely to return to any suitable employment
You held active TPD cover in your super fund at the time you ceased work
Every policy has different definitions and conditions, so it’s important to get legal advice before lodging a claim.
What Conditions Are Covered?
You don’t need to be injured at work to make a TPD claim. Common conditions include:
Mental health conditions (e.g. depression, anxiety, PTSD)
Musculoskeletal injuries (e.g. chronic back, neck, or shoulder issues)
Cancer diagnoses
Stroke or heart disease
Autoimmune or neurological disorders
Serious accidents or trauma
How the Process Works
Making a TPD claim involves more than just paperwork. Our experienced superannuation and insurance lawyers help guide you through each step:
Identify your superannuation funds
Review the policy wording and eligibility criteria
Gather medical and employment evidence
Submit the claim on your behalf
Handle correspondence and follow-ups with the insurer
Challenge rejections or delays if necessary
Why Choose TPIL Lawyers?
TPD claims are often rejected because insurers argue you can still return to work or don’t meet their strict definitions. That’s where we come in.
At TPIL Lawyers, we:
Explain your policy and entitlements
Handle the entire claims process
Advocate for your rights if your claim is denied
Operate on a ‘No Win, No Fee’ basis — no legal fees unless your claim succeeds
What Can a TPD Payout Be Used For?
A successful TPD claim can ease the financial burden and help you:
Pay for medical treatment or rehabilitation
Cover everyday living costs
Manage mortgage, rent, or debt
Plan for long-term care and future security
Ready to Get Started?
If you’ve stopped working due to illness or injury, let us help you secure the support you deserve.
📞 Contact the TPIL Lawyers Team for expert legal advice or call us on 1800 958 498
We’re here to help you get your life back on track.
