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TPD Lawyers

A total and permanent disability claim entitles you to claim a lump sum payment of compensation if you have suffered an injury or illness that prevents you from returning to work in any capacity for which you could reasonably undertake by reason of your education, training or work experience.

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Industry Experts: 20+ years of experience

No Win No Fee Guaranteed

What is Total and Permanent Disability?

Every policy of TPD insurance is different. You need to satisfy the definition of what is total and permanent disablement under the policy to make a claim. This can vary between policies but usually you need to demonstrate the following:

  1. That you have suffered a minimum level of injury and/or;
  2. You are unfit to return to any work by reason of your education, training or work experience.
  3. For example, if you are a construction worker and sustained an injury that prevents you from returning to work in the construction industry, say a back injury and you have no other relevant work experience or skills, then you would normally qualify for claiming a TPD benefit through your superannuation fund.

Who can make a tpd claim?

A TPD claim is made against a policy of insurance held by your superannuation fund. Most superannuation funds take out insurance on behalf of members that allows them to make a claim for total and permanent disability if they are unable to work as a consequence of an injury or illness.

You need to review your superannuation documents or contact your superannuation fund and see if there is a TPD benefit payable. Your last superannuation document should tell you whether you have TPD insurance and how much can be claimed.

What is the TPD claim process?

To lodge a successful TPD claim, you need to do the following:

  1. Obtain from your super fund a copy of the policy of insurance with the definition of what is total permanent disablement.
  2. Obtain the relevant claim form documentation from your superannuation fund.
  3. Complete the claim forms provided which will include obtaining medical certification that you are unfit for work.

The TPD claims process can be complex. Usually, the insurer will look to decline a TPD claim by deciding that you do not satisfy the definition of TPD.

It is therefore important that you obtain legal advice from an Accredited Specialist in Personal Injury Law before you submit any TPD claim forms to ensure that the claim forms and documentation is completed correctly.

We offer assistance with TPD claims on a “No win – No fee” basis which means you only pay legal costs if you are successful.

It is therefore important that you obtain legal advice from an Accredited Specialist in Personal Injury Law before you submit any TPD claim forms to ensure that the claim forms and documentation is completed correctly.

We offer assistance with TPD claims on a “No win – No fee” basis which means you only pay legal costs if you are successful.

If you think you may have a right to make a claim, please do not hesitate to contact us today.

Would you like assistance with your claim?

Complete our free, no obligation confidential case assessment form and we’ll get back to you within 24 hours.

Alternatively, we are available to talk through phone and email. Please contact our experienced workers compensation lawyers to find out how we can help.

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Dulce L.
08:48 23 Aug 21
Garling & Co have been exceptional. Matthew was always professional attentive clear and concise, I felt up most confidence in his management dealing with my matter always had my best interest. i... highly recommend Garling & Co Lawyersread more
Melissa H
11:53 10 Aug 21
I am grateful to have had Matthew represent me on my motor vehicle compensation claim.After meeting with two lawyers previous to deciding on Garling and co, I was left unsure and confused as to... where I stood regarding my claim. Matthew and Allison were incredibly helpful, put my mind at ease, and took the worry and stress out of an already difficult situation.Through the settlement process they would always keep me informed and made time to answer all of my questions. I am really pleased with the outcome of the settlement.Thank you to the team at Garling and Coread more
Violeta C.
07:30 05 Aug 21
My experience with Garling & Co was great. Matthew was always professional, attentive and communicated in a clear manner. I felt confident in his management of my matter & always had my best interest... in mind.I have no reservation in recommending Matthew & the Garling & Co team.read more
Sonia C.
03:04 05 Aug 21
Ann F.
04:11 04 Aug 21
Professional and helpful
Sunita S.
04:00 04 Aug 21
Overall, I am very happy of their service and also the outcomes of my case.
Glen C.
03:15 04 Aug 21
Mathew was highly personable and easy to talk to .From the outset I had full confidence in his ability and professionalism .Matthew and his team contacted me only as the process required , his... approach was purposeful and effective.I was very pleased with the result.I have no hesitation in recommending him to anyone in need of a lawyer.read more
Teresa M.
03:07 04 Aug 21
Fantastic service. Very professional and prompt.
Erin & Tom L.
01:44 04 Aug 21
Matthew and his team were so responsive throughout my entire claim. They made sure everything was explained clearly and always responded promptly to my questions. I can not thank them enough for... their support. I highly recommend their services.read more
Happy S.
23:38 26 Jul 21
Very professional. The team responded quickly, were clear and easy to work with. We would highly recommend to give them a go.
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