The insurance attached to your superannuation is designed to protect you when life takes an unexpected turn.
Do I need a lawyer for a TPD claim?
Strictly speaking — no, you don’t have to use a lawyer.
But there are many practical reasons why you should strongly consider it.
TPD claims can be complex, and insurers are well‑known for setting up a process that can be difficult to manage alone. At the same time, super funds and insurance companies rely on their own legal teams for guidance on how to assess and respond to your claim — so having an experienced lawyer on your side helps level the playing field.
1. Every insurer has a different definition of “TPD”
There is no single, universal definition of TPD in Australia. Each super fund and insurer uses its own criteria, and understanding what your policy requires can be confusing and time‑consuming.
Our lawyers work with TPD policies every day. We know how to interpret the fine print and what evidence is needed to meet the specific definition set out in your fund’s policy.
2. We can assess the viability of your claim from the start
Our team has extensive experience dealing with a wide range of super funds and insurers. Because we understand what they look for, we can quickly identify the strengths of your claim and any issues that may need to be addressed early.
This helps avoid delays and improves your chance of having your claim accepted the first time.
3. We help you understand your rights — and protect them
Insurance policies are full of complex, technical language that can be hard to make sense of. We break this down clearly so you know exactly what you’re entitled to claim.
Many people don’t realise they can challenge a rejected TPD claim. Having a lawyer ensures you’re not unfairly denied the benefits you’ve worked hard for.
4. We handle the paperwork so you can focus on recovery
Managing medical appointments, treatment and day‑to‑day life during an illness or injury is difficult enough. Adding mountains of forms, evidence gathering and insurer correspondence only increases the pressure.
TPIL Lawyers handles all of this for you, making sure deadlines are met and your claim is presented as strongly as possible.
5. If your claim needs to go to court, we’re with you all the way
While many TPD claims are resolved without needing court action, some do require formal proceedings. If that happens, our team will guide you through each step and advocate for you with experience and confidence.
How much does it cost to run a TPD claim?
At TPIL Lawyers, TPD claims are managed under our No Win, No Fee policy.
That means:- No upfront costs
- No costs during the claim
- You only pay legal fees if your claim succeeds, and these are deducted from your settlement amount at the end.
This allows you to prioritise your health and recovery, without the added financial stress of legal bills along the way.
