You may be able to make a Total and Permanent Disability (TPD) claim through your superannuation. Many people are covered by TPD insurance without realising it. We can help you understand whether you may be eligible and guide you through the claims process.
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Qualified as a lawyer in 2000 with one of England’s leading insurance and compensation firms. Admitted to the Supreme Court of Western Australia in 2008. Acted for both insurers and individuals before choosing to represent injured people only.
Spent nearly six years inside the Insurance Commission of WA as a claims handler, catastrophic claims handler, investigator and team leader. Brings rare insider knowledge of how ICWA assesses, processes and values claims.
A TPD claim is a type of insurance claim that is often included in your superannuation fund.
It may provide a lump sum payment if you are unable to return to work due to injury or illness.
Each policy has its own definition of "total and permanent disability".
You may be able to make a claim if:
Eligibility depends on your policy and medical evidence.
A successful claim may provide a lump sum that can be used for:
Each claim depends on the individual circumstances.
We:
TPD claims can involve strict requirements and time considerations.
Delays can affect your claim, so it is important to seek advice early.
We offer No Win, No Fee arrangements in many TPD matters.
This generally means our professional fees are payable only if your claim is successful. Conditions apply.
We will explain all costs clearly before you proceed.
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A TPD (Total and Permanent Disability) claim is an insurance claim that is often included in your superannuation. It may provide a lump sum payment if you are unable to return to work due to injury or illness.
Many superannuation funds include TPD insurance automatically. If you are unsure, we can help you check your superannuation and explain what cover you may have.
Each policy has its own definition of "total and permanent disability". In some cases, it relates to your usual job, and in others it may relate to any suitable work.
We can review your policy and explain how it applies to your situation.
You may still be able to make a claim depending on your superannuation and insurance policy. It is best to seek advice as soon as possible.
The timeframe varies depending on the complexity of the claim, medical evidence and insurer requirements. Some claims take several months or longer.
We will explain the process and keep you informed along the way.
This usually includes:
We assist with gathering and preparing the required information.
If you have multiple superannuation funds with TPD cover, you may be able to make more than one claim. This depends on your policies and circumstances.
A successful TPD claim may affect your superannuation balance and insurance cover. We can explain how this may apply to you before you proceed.
You are not required to use a lawyer, but legal assistance can help ensure your claim is prepared properly and managed through the process.
If your claim is declined, you may have options to request a review or appeal the decision depending on the circumstances.
We can advise you on possible next steps.
Time limits apply to both motor vehicle and workers compensation claims in Western Australia. Seeking advice promptly is important.
Seeking advice promptly is important
1300 590 838No Win, No Fee arrangements available in eligible matters. Conditions apply.
The information on this website is general in nature and does not constitute legal advice.
No solicitor-client relationship is created unless a formal costs agreement is entered into.
Outcomes depend on individual circumstances and statutory criteria.
No Win, No Fee Disclaimer: No Win, No Fee refers to our legal fees only. You may still be liable for disbursements (third-party costs such as medical reports and court filing fees) and, in some circumstances, the other party's legal costs if your claim is unsuccessful. Full details of our fee arrangement will be provided to you in a costs agreement before any work commences.
