TPD and Superannuation Claims

If you are unable to work due to injury or illness, you may be entitled to access Total and Permanent Disability (TPD) benefits through your superannuation fund.

Many superannuation funds include insurance policies that provide a lump sum payment if you become unable to return to work due to a medical condition. These benefits are often available even if the injury or illness did not occur at work.

At Benefit Legal Lawyers, we assist clients in understanding their rights and navigating the process of making a TPD claim through their superannuation fund.

No Win – No Fee

In many TPD matters, we may act on a No Win – No Fee basis. This means you do not pay our professional fees upfront, and we only charge our fees if your claim is successful.

Our team is focused on helping you access the benefits you may already hold through your superannuation.

What is Total and Permanent Disability (TPD)?

TPD insurance is designed to provide financial support if a person is unable to work due to a serious injury or illness.

Depending on the terms of your policy, you may qualify for a TPD benefit if you are unable to return to:

• Your usual occupation, or

• Any occupation for which you are reasonably suited by education, training or experience

Each superannuation policy has different definitions and requirements, which is why it is important to review the policy carefully.

Common conditions that may lead to a TPD claim

TPD claims can arise from a wide range of injuries and medical conditions, including:

• Serious physical injuries

• Chronic illnesses

• Mental health conditions

• Degenerative conditions

• Neurological conditions

Even if you are unsure whether your condition meets the definition of TPD, it may still be worth obtaining legal advice.

How we can help

Making a TPD claim can involve complex policy wording, medical evidence and dealing with both the superannuation fund and insurer. Our team can assist you by:

• Reviewing your superannuation policies to identify available insurance

• Advising whether you may be eligible to make a claim

• Preparing and lodging your TPD application

• Gathering medical and employment evidence

• Communicating with the insurer and superannuation fund on your behalf

We aim to make the process as straightforward as possible while working to secure the benefits you may be entitled to.

If your TPD claim has been denied

If a superannuation fund or insurer has rejected your TPD claim, this does not necessarily mean the matter is over.

In many cases, decisions can be reviewed or challenged. Our team can assess your situation and advise whether further steps can be taken to pursue your entitlements.

Speak with our team

If you believe you may be entitled to a TPD or superannuation insurance claim, contact Benefit Legal Lawyers to discuss your circumstances.

We are here to help you understand your options and work towards securing the financial support you may be entitled to.