# TPD Claims Lawyers > TPD Claims Lawyers is an Australian law firm specialising in Total and Permanent Disability (TPD), income protection, and superannuation death benefit claims. No win no fee. Free claim assessment: 1300 300 457. - Last-Updated: 2026-06-26 - Canonical site: https://tpdclaimslawyers.com.au - Sitemap: https://tpdclaimslawyers.com.au/sitemap_index.xml - Full index: https://tpdclaimslawyers.com.au/llms-full.txt - Contact: 1300 300 457 | enquiries@tpdclaimslawyers.com.au - Jurisdiction: Australian superannuation and insurance law - No win no fee: Yes - Disclaimer: General information only, not legal advice ## Core Services - [Superannuation TPD Claims](https://tpdclaimslawyers.com.au/superannuation-tpd-claim-lawyers/): How to claim Total and Permanent Disability through your superannuation fund. - [TPD Claims](https://tpdclaimslawyers.com.au/tpd-claims/): Overview of TPD insurance claims, eligibility, and the claims process. - [Income Protection Claims](https://tpdclaimslawyers.com.au/income-protection-claims/): Monthly income replacement claims when illness or injury stops you working. - [Death Benefit Claims](https://tpdclaimslawyers.com.au/death-benefit-claims/): Superannuation death benefit claims for estates and dependants. - [No Win No Fee](https://tpdclaimslawyers.com.au/no-win-no-fee/): How the firm's no-win-no-fee arrangement works for TPD claimants. ## Knowledge Base - TPD Claim Process - [What is a TPD Claim?](https://tpdclaimslawyers.com.au/knowledgebase/what-is-a-tpd-claim/): Definition of Total and Permanent Disability and how the claims process works. - [What Is TPD Insurance?](https://tpdclaimslawyers.com.au/knowledgebase/what-is-tpd-insurance-and-how-do-i-know-if-i-have-it-in-my-super/): What TPD insurance is, how it works inside superannuation, any vs own occupation definitions, and how to check your cover. - [Own Occupation vs Any Occupation TPD](https://tpdclaimslawyers.com.au/knowledgebase/own-occupation-vs-any-occupation-tpd-policies-how-the-difference-impacts-your-claim/): How the own occupation and any occupation TPD definitions differ, which is more favourable for claimants, and how insurers use the distinction to assess or reject claims. - [Top 5 Reasons TPD Claims Are Rejected](https://tpdclaimslawyers.com.au/knowledgebase/top-5-reasons-insurers-reject-tpd-insurance-claims/): The five most common grounds insurers use to deny TPD claims — insufficient medical evidence, definition not met, pre-existing exclusions, lapsed cover, and non-disclosure — and how to challenge each. - [TPD Claim Documents Checklist](https://tpdclaimslawyers.com.au/knowledgebase/the-complete-checklist-of-documents-needed-for-your-claim/): The complete checklist of medical, employment, identity, and policy documents needed to lodge a TPD claim, plus common documentation mistakes that cause delays. - [AFCA TPD Complaints Process](https://tpdclaimslawyers.com.au/knowledgebase/the-afca-complaints-process-how-to-dispute-an-insurers-decision/): How to dispute a rejected TPD or insurance claim through AFCA, including time limits, what AFCA can order, and when court action may be required. - [TPD Claim Eligibility](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-eligibility/): Who qualifies for a TPD payout and what the requirements are. - [How to Make a TPD Claim](https://tpdclaimslawyers.com.au/knowledgebase/how-to-make-a-tpd-claim/): Step-by-step guide to lodging a TPD claim. - [TPD Claim Process](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-process/): End-to-end timeline from lodgement through assessment to payment. - [TPD Claim Time Limit](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-time-limit/): Deadlines for lodging a TPD claim and what to do if you may have missed them. - [TPD Claim Checklist](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-checklist/): Documents and evidence needed before submitting a TPD claim. - [How to Lodge a TPD Claim in Australia](https://tpdclaimslawyers.com.au/knowledgebase/complete-guide-on-how-to-lodge-a-tpd-claim-in-australia/): Step-by-step guide to lodging a TPD claim, from confirming cover to receiving a decision. - [What Conditions Qualify for a TPD Claim?](https://tpdclaimslawyers.com.au/knowledgebase/what-conditions-qualify-for-tpd-claim/): Which physical and mental health conditions qualify for a TPD payout in Australia, and how eligibility is assessed. ## Knowledge Base - Denied Claims & Disputes - [TPD Claim Denied](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-denied/): What to do when a TPD claim is rejected, grounds for denial, and appeal options. - [TPD Claim Rejected](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-rejected/): Common reasons insurers reject claims and how to challenge the decision. - [TPD Claim Appeal](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-appeal/): Internal review and AFCA appeal process for refused TPD claims. - [AFCA TPD Complaint](https://tpdclaimslawyers.com.au/knowledgebase/afca-tpd-complaint/): How to lodge a TPD dispute with the Australian Financial Complaints Authority. - [IME Report Unfair](https://tpdclaimslawyers.com.au/knowledgebase/ime-report-unfair/): What to do if an Independent Medical Examination report appears biased. ## Knowledge Base - Payouts & Tax - [How Much is a TPD Payout?](https://tpdclaimslawyers.com.au/knowledgebase/how-much-is-a-tpd-payout/): What determines TPD payout amounts and average ranges. - [How Is a TPD Payout Calculated?](https://tpdclaimslawyers.com.au/knowledgebase/how-is-a-tpd-payout-calculated/): How the sum insured, tax treatment, disability super uplift, and inside vs outside super rules determine your actual payout. - [Is a TPD Payout Taxable?](https://tpdclaimslawyers.com.au/knowledgebase/is-tpd-payout-taxable/): Tax treatment of TPD payments inside and outside superannuation. - [Can I Work After a TPD Payout?](https://tpdclaimslawyers.com.au/knowledgebase/can-i-return-to-work-after-receiving-a-tpd-payout/): Whether working after a TPD payout affects entitlements. - [Does TPD Affect Centrelink?](https://tpdclaimslawyers.com.au/knowledgebase/does-tpd-affect-centrelink/): How a TPD lump-sum payment may affect Centrelink payments. ## Knowledge Base - Medical Examinations - [Independent Medical Examination](https://tpdclaimslawyers.com.au/knowledgebase/independent-medical-examination/): What an IME is, who arranges it, and how the report is used in claims. - [Psychiatric IME](https://tpdclaimslawyers.com.au/knowledgebase/psychiatric-ime/): What to expect from a psychiatric or psychological IME and how to prepare. - [Functional Capacity Evaluation](https://tpdclaimslawyers.com.au/knowledgebase/functional-capacity-evaluation/): What an FCE assesses and how results affect TPD claims. ## Knowledge Base - Conditions - [TPD Claim for PTSD](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-for-ptsd/): How PTSD is assessed in TPD claims and what evidence is needed. - [TPD Claim for Mental Health](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-mental-health/): TPD claims for depression, anxiety and psychiatric disorders. - [TPD Claims for Mental Health Conditions](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claims-mental-health-conditions/): In-depth guide to TPD claims for depression, PTSD, anxiety, bipolar disorder, and psychotic conditions — including how insurers assess these claims and what evidence is needed. - [TPD Claim for Back Injury](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-back-injury/): Medical criteria for TPD claims based on spinal and back injuries. - [TPD Claim for Cancer](https://tpdclaimslawyers.com.au/knowledgebase/tpd-claim-cancer/): How cancer diagnoses are assessed for TPD eligibility. - [Workers Compensation and TPD](https://tpdclaimslawyers.com.au/knowledgebase/workers-compensation-and-tpd/): How workers comp and TPD claims interact and can run concurrently. ## Geographic Pages - [TPD Lawyers Sydney](https://tpdclaimslawyers.com.au/tpd-lawyers-sydney/): TPD claim legal services for claimants in Sydney and NSW. - [TPD Lawyers Melbourne](https://tpdclaimslawyers.com.au/tpd-lawyers-melbourne/): TPD claim legal services for claimants in Melbourne and Victoria. - [TPD Lawyers Brisbane](https://tpdclaimslawyers.com.au/tpd-lawyers-brisbane/): TPD claim legal services for claimants in Brisbane and Queensland. - [TPD Lawyers Perth](https://tpdclaimslawyers.com.au/tpd-lawyers-perth/): TPD claim legal services for claimants in Perth and Western Australia. - [TPD Lawyers Adelaide](https://tpdclaimslawyers.com.au/tpd-lawyers-adelaide/): TPD claim legal services for claimants in Adelaide and South Australia. - [TPD Lawyers Gold Coast](https://tpdclaimslawyers.com.au/tpd-lawyers-gold-coast/): TPD claim legal services for claimants on the Gold Coast. ## Optional - [llms-full.txt](https://tpdclaimslawyers.com.au/llms-full.txt): Full deep-crawl index of all 50+ KB articles with descriptions for detailed AI retrieval. - [Sitemap](https://tpdclaimslawyers.com.au/sitemap_index.xml): Full XML sitemap of all indexed pages.