Total Permanent
Disability Insurance

If you have an injury or illness that stops you from working your normal job, you may be entitled to compensation to help you and your family.

It doesn’t matter how your injury or illness happened, if you can’t work in your normal job, you may be entitled to a Total and Permanent Disability (“TPD”) claim through your superannuation insurance. This helps you with a lump sum payment so you and your family can move on knowing you’re covered for the worst – and your injury doesn’t have to have happened through work. You may also be entitled to income protection which can cover you for your lost wages.

The frustrating thing for us is that despite the overwhelming majority of Australians paying for TPD insurance through their super, very, very few have any knowledge of when it can be claimed and how it can help them in their
time of need.

What is a tpd claim?

The majority of Australians pay for TPD Insurance through their hard-earned super savings, directly through their superannuation. It is usually opted-in when you first sign up to your super fund and has one purpose – to help you when you can’t work due to injury or illness. TPD is simply an insurance provided by your superannuation fund.

This means that if you start a TPD claim, your lump sum payout is paid by the super fund itself, not out of your hard-earned superannuation savings.

How does it work?

After our free initial consultation where you’re made fully aware of all your rights and entitlements, we will meticulously investigate your benefits and uncover any lost super which you can claim for. What most people don’t know is that if you have multiple super funds, you can make a TPD claim against every single one, so it is important to make sure your benefits are investigated by an expert lawyer.

TPD claims can be complex so having an expert legal team by your side is important in making sure you and your family get everything you’re entitled to. The process involves reviewing complicated superannuation policies, completing detailed paperwork, liaising with your insurer, arranging medical assessments and ensuring you receive the full benefit that you’re entitled to.

We know the process can feel overwhelming, so we want you to simply focus on getting your life back on track and leave the rest up to us.

How much will I get?

Most TPD entitlements range from tens of thousands to sometimes six figures. However, your TPD compensation depends on your unique situation and which superannuation fund/s you are with. Each super fund has a different policy with complicated eligibility criteria and different lump sum amounts payable. Put simply, it is impossible for us to tell you how much your claim is worth without having a chat with you first.

Frequently asked questions

Unfortunately, we can’t tell you how much your claim is worth without first taking a look at your individual situation, employment and injuries. Unlike some other firms, we will not entice people to start claims by providing case studies of some clients receiving hundreds of thousands of dollars for certain injuries. Although that may happen in your claim, it is important for you to know that each case is different and a thorough look into every detail is required to tell you how much your claim is worth.

Each claim is different but the majority of whiplash claims can be settled in 12 to 14 months.

The length of your claim depends on how long it takes for your injuries to get better, so claims can vary in timeframes depending on how serious the injuries are. Regardless, we always do everything we can to settle claims as quickly as possible for our clients.

The vast majority of claims are settled without ever having to go to court. We are able to negotiate out-of-court settlements because it is usually in the best interests of the parties to settle. However, if your claim does need to proceed to court, don’t worry, we will fight by your side every step of the way.

Our process

Our expert team will do everything they can to fight for you and make sure you get what you deserve.

Tell us your story, we’re here to listen.

We make sure you understand everything about your rights.

We manage everything so you can focus on your rehabilitation.

We strategically negotiate with the insurer to achieve the best outcome for you.

When it’s time to talk,
we’re here to listen.

Join us for your free consultation.

Our locations

Level 38, Riparian Plaza, 71 Eagle
Street, Brisbane, QLD 4000

Boland’s Centre, 14 Spence Street,
Cairns, QLD 4870

Let us contact you

One of our Senior Lawyers (not support staff) will personally give you a call. It’s the least we can do.
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