No Win No Fee with TPD Claims Lawyers
What does No Win No Fee mean?
At TPD Claims Lawyers, No Win No Fee simply means you don’t pay our professional fees unless your claim is successful. There are:
- No upfront legal costs — nothing to pay to start your claim.
- No ongoing professional fees — we carry the cost of the legal work as your case progresses.
- Payment only on success — our professional fees are only payable once your claim is finalised and you receive a payout, or if a reasonable settlement offer is made that you choose not to accept.
This structure removes the financial risk of pursuing a claim, so you can focus on your health and family while we focus on securing your entitlements.
Importantly, unlike some firms, we do not charge an “uplift fee” or success fee. Our charges are based only on the actual work we perform, with all costs agreed and explained upfront.
Why It Matters for Super & Insurance Claims
Superannuation and insurance claims are often complex, and large insurers have virtually unlimited resources. Denying or delaying claims is part of their business model, leaving many people unable to fight back without legal help. That’s where No Win No Fee makes a real difference.
Levelling the Playing Field Against Insurers
Without No Win No Fee, most people could not afford to take on a major insurance company or super fund. By removing upfront legal costs, our terms allow everyday Australians to hold insurers accountable and secure the benefits they are entitled to.
When No Win No Fee Is Most Helpful
- Rejected or disputed claims: When your insurer or super fund refuses to pay or delays your entitlement.
- Complex claims: TPD, TTD, income protection, trauma, or death benefit claims with strict definitions and evidence requirements.
- Multiple claims: Where several super funds or policies are involved and need careful coordination.
- Financial stress: When you’re already unable to work due to illness or injury, and paying upfront legal fees is simply not possible.
No Win No Fee ensures that your rights are protected, even when the insurer has far greater resources. It gives you the confidence to pursue your claim knowing you won’t be left out of pocket if the case does not succeed.
What’s Covered Under Our No Win No Fee
Our No Win No Fee terms apply to the full range of superannuation and life insurance claims we run. You get specialist help without upfront legal costs, and you only pay our professional fees if your claim succeeds.
Claims Covered
- Total & Permanent Disability (TPD) superannuation claims
- Total & Temporary Disability (TTD) / Income Protection claims
- Trauma (Critical Illness) insurance claims
- Life Insurance & Death Benefit claims (including super death benefits)
- Permanent Impairment claims connected to insurance/super
- Rejected / Disputed claims & AFCA complaints
- Multiple Super Fund claims (coordination, offsets, strategy)
What’s Included
- Case assessment & strategy: Reviewing policies, evidence, and prospects of success.
- Evidence building: Coordinating medical reports, capacity assessments, employment/income records.
- Claim preparation & lodgement: Drafting submissions and managing timelines with funds/insurers.
- Dispute management: Internal reviews, negotiation, and AFCA complaints where required.
- Updates & guidance: Clear communication about milestones, risks, and next steps.
Case Expenses (Disbursements)
- What they are: Third-party costs such as specialist medical reports, file retrieval, barrister’s fees, registry fees.
- How we handle them: In most matters we pay standard expenses upfront and recover them at cost if you win.
- Controls: We agree sensible caps/approvals in advance for any exceptional external costs.
What’s Not Included
- Financial planning or tax advice (we can refer you to an adviser if needed).
- Premium arrears or amounts owed to a fund/insurer (where applicable under the policy).
- Extraordinary third-party expenses beyond any agreed cap without prior written approval.
Important Notes
- No uplift/success fee: We never charge an additional percentage for winning.
- AFCA vs Court: Most disputes resolve by negotiation or at AFCA (no adverse costs orders). If court is considered, we will explain litigation risks and options before you decide.
- Clear terms: All fees and expense arrangements are set out in writing before we proceed.
How Fees Are Calculated (Transparent & Agreed)
At TPD Claims Lawyers, our fee structure is clear, fair, and confirmed in writing before we begin work on your case. You’ll always know how fees are calculated and when they may become payable. There are no surprises and no hidden extras.
Fixed-Fee Matters
For most claims that resolve within 12 months without litigation, we apply an agreed fixed fee. This gives you cost certainty and allows you to budget with confidence while we manage your case from start to finish.
Matters Requiring More Work or Litigation
Some claims require more extensive work — for example, where disputes arise, AFCA complaints are lodged, or court proceedings are necessary. In those cases, we continue to work on a No Win No Fee basis, but our fees are charged according to agreed hourly or scale rates. The total fee depends on the amount of work needed to finalise your claim, and is only payable on success.
No Uplift / No Success Fee
Unlike some firms that add up to 25% as a “success fee” or “uplift”, we never charge this premium. Our professional fees are based only on the actual work performed, and we do not increase them simply because your case is successful. That means you keep more of your payout.
Transparent Terms
- All fee agreements are explained to you clearly and documented in writing before your claim proceeds.
- We provide regular updates so you understand how your case is tracking and what costs are being incurred.
- You’ll have a clear estimate of fees before we start and a detailed breakdown when your case resolves.
Our approach ensures that your legal fees are always transparent, reasonable, and directly linked to the work required to secure your entitlements.
Case Expenses (Disbursements)
In addition to professional fees, every claim involves certain out-of-pocket costs known as disbursements. These are third-party expenses that we may need to pay to progress your claim, and they are separate from our legal fees. At TPD Claims Lawyers, we handle these costs in a transparent and fair way.
What Are Case Expenses?
- Medical reports: Specialist assessments or reports required to support your incapacity claim.
- File retrieval fees: Charges for obtaining superannuation, employment, or insurer records.
- Barrister’s fees: Costs for specialist advocacy or written advice where needed.
- Registry or court fees: Filing fees in rare cases where court action is necessary.
Who Pays and When?
- Upfront support: In most cases, we pay these expenses upfront so your case can move forward without delay.
- At-cost only: If your claim is successful, you reimburse us for these costs at the exact amount charged by the provider — we never mark them up or add a loading.
- Unsuccessful claims: If your claim does not succeed, in most matters you will not be asked to repay the standard case expenses we have covered.
Expense Caps & Approvals
Sometimes claims may involve higher-than-usual external costs, for example, multiple expert medical opinions. In those circumstances, we will always:
- Discuss the potential expense with you in advance,
- Agree on a cap or seek your approval before the cost is incurred,
- Ensure you have clarity about how the expense will be managed.
Complete Transparency
All disbursements are recorded and itemised on your final account so you can see exactly what was paid, to whom, and why. There are no hidden extras or unexplained costs.
By covering case expenses upfront and charging them at cost only, TPD Claims Lawyers ensures that financial barriers never prevent you from pursuing your entitlements.
If Your Claim Succeeds
When your claim is successful, you can be assured that our fees and expenses are handled fairly and transparently. You will always know exactly what is payable, and there are no hidden extras.
What Gets Paid
- Professional fees: Calculated according to the agreed fixed fee or scale of work performed. No uplift or success fee is ever added.
- Case expenses: Any third-party disbursements we have paid upfront (such as medical reports or file retrieval fees) are reimbursed at cost only.
Reasonable Offers
If your insurer or super fund makes a reasonable settlement offer that we recommend you accept, and you choose not to accept it, our No Win No Fee terms may still treat your claim as successful. We will explain this clearly at the time so you can make an informed decision.
No Hidden Fees
Unlike some law firms, we never apply an “uplift” or “success” loading to your legal fees. The amount you pay is directly tied to the actual work performed, ensuring fairness and transparency.
With TPD Claims Lawyers, if your claim succeeds you get certainty: you pay only the agreed professional fees and disbursements at cost, and you keep the maximum possible benefit from your payout.
If Your Claim Is Unsuccessful
If your case does not succeed, our No Win No Fee promise means you do not pay our professional fees. This ensures you are never left out of pocket for the legal work we have carried out on your behalf.
No Professional Fees Payable
If we are unable to secure a payout or settlement, you will not be charged for our time or professional services. We take on the risk, not you.
Case Expenses
In most superannuation and insurance claims, we also cover standard case expenses upfront. If the matter is unsuccessful, you will generally not be asked to repay these costs. In the rare event of a claim involving unusually high or exceptional disbursements, we will always discuss and agree with you in advance how those will be handled.
AFCA vs Court: Adverse Costs Risk
- AFCA complaints: Lodging with the Australian Financial Complaints Authority is free and does not expose you to adverse cost orders.
- Court proceedings: If your matter proceeds to court, there can be a risk of paying the insurer’s legal costs if the case is lost. We will only recommend litigation after carefully explaining these risks and alternatives.
Our Assurance
We are highly selective in the cases we take on under No Win No Fee terms. If we accept your matter, it is because our experience and expertise give us confidence in your prospects of success. This careful approach minimises the risk of an unsuccessful outcome.
With TPD Claims Lawyers, if your claim is unsuccessful, you can walk away knowing you will not face a bill for our legal fees.
Where & How Your Claim Is Decided
Every superannuation or insurance claim follows its own pathway, depending on how the insurer or fund responds. At TPD Claims Lawyers, we guide you through each stage, ensuring the right strategy is applied to give you the best chance of success.
Negotiation & Internal Review
Many claims are resolved at an early stage through careful preparation, negotiation, and internal review with the insurer or super fund. We prepare detailed submissions that directly address policy definitions and evidence requirements, increasing the likelihood of a positive decision without the need for escalation.
AFCA Complaints (Free, Independent Resolution)
If an internal review does not resolve the dispute, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA is a free, independent body that can review the insurer’s decision and require them to pay benefits where appropriate. There are no adverse costs orders at AFCA, so it provides a safe and effective way to challenge insurers.
Court Proceedings (When Necessary)
In rare cases, court action may be the only way to resolve a dispute. This is generally a last resort after negotiation and AFCA options have been exhausted. We will only recommend litigation if we believe it is in your best interests, and we will provide clear advice about potential risks and costs before any step is taken.
Our Approach
- Step-by-step guidance: We explain every stage so you always know where your claim stands.
- Evidence-driven strategy: We focus on building strong, consistent evidence to support your entitlement at each stage.
- Minimising stress: By managing communication with insurers, AFCA, and (if necessary) courts, we reduce the burden on you.
Wherever your claim is decided, TPD Claims Lawyers ensures that you have the right representation, strategy, and support to secure the benefits you are entitled to.
Eligibility for No Win No Fee
Not every case will qualify for No Win No Fee terms. At TPD Claims Lawyers, we carefully assess each claim before agreeing to act on this basis. This ensures that both you and our team have confidence in the likely outcome.
Legal Merit & Prospects of Success
We first determine whether your claim has a solid legal foundation and a realistic prospect of success. This includes reviewing your superannuation and insurance policies, medical evidence, and any correspondence from the insurer or fund.
Financial Need & Fairness
No Win No Fee is designed to give access to justice for people who could not otherwise afford to fund a claim. If you are unable to meet legal costs upfront, our terms ensure that your financial situation does not stop you from enforcing your rights.
Proportionality of the Claim
We consider whether the potential outcome justifies the time, cost, and resources involved. This protects you from entering into a claim that may not be in your best interests to pursue.
Clear Understanding of Terms
Before we agree to act, we ensure you understand:
- How our fees are calculated and when they apply,
- How case expenses (disbursements) are managed,
- What happens if the claim succeeds or fails, and
- Any risks if the matter goes to court (such as adverse costs).
Conflicts & Suitability Check
We check for conflicts of interest and confirm that your matter is suitable for No Win No Fee representation. This careful assessment ensures you are fully informed and protected before proceeding.
If your claim qualifies, TPD Claims Lawyers will confirm our No Win No Fee terms in writing and carry the financial risk of running your case so you don’t have to.
The 50/50 Rule (QLD) — Does It Apply?
In Queensland, there is a rule known as the “50/50 rule” that protects clients in personal injury damages claims. It ensures that after refunds and expenses are deducted (for example, Medicare or Centrelink repayments, barrister and medical specialist fees), your lawyer’s professional fees cannot exceed 50% of what you actually receive.
Does the 50/50 Rule Apply to Super & Insurance Claims?
Most superannuation and insurance claims — including TPD, TTD (income protection), trauma insurance, and death benefits — are contractual or statutory entitlements rather than personal injury damages claims. This means the 50/50 rule does not automatically apply to these types of matters.
Our Transparency Commitment
Even though the 50/50 rule does not generally apply to super and insurance claims, we still operate with the same principles of fairness and transparency:
- No uplift fees: We never charge a “success fee” or loading on top of our professional fees.
- At-cost expenses only: Disbursements such as medical reports and barrister fees are charged at cost with no mark-up.
- Clear agreements: All fees are discussed and confirmed in writing before your matter proceeds.
- Fair outcome focus: Our fees are always proportionate to the work done and the outcome achieved.
Your Protection
The purpose of the 50/50 rule is to ensure that clients are not left with little or nothing after legal costs. At TPD Claims Lawyers, we achieve the same goal through our No Win No Fee terms and transparent billing practices — meaning you always know what to expect and keep the maximum possible benefit from your claim.
Your Role & Our Commitments
At TPD Claims Lawyers, we believe the strongest results come from working closely with our clients. While we take on the financial burden and the legal work, a successful claim also relies on your active involvement and our commitments to you.
Your Role in the Process
- Provide honest instructions: Always give us accurate and complete information about your health, employment, and claim history.
- Timely communication: Respond to our requests for documents, forms, or approvals so your claim isn’t delayed.
- Medical treatment: Continue following medical advice and attend any appointments needed for supporting evidence.
- Stay engaged: Keep in touch with our team and let us know about any changes in your circumstances.
Our Commitments to You
- No Win No Fee protection: You won’t pay our professional fees unless your claim succeeds.
- Transparency: We’ll provide clear explanations of fees, expenses, and prospects before you decide to proceed.
- Regular updates: You’ll receive progress reports and timely advice at each stage of your claim.
- Evidence-led approach: We focus on gathering the strongest medical, financial, and occupational evidence to support your claim.
- Respect & care: We understand the stress of being unable to work and will treat your situation with empathy and professionalism.
Together, these shared responsibilities ensure your case runs smoothly and gives you the best chance of securing the benefits you deserve.
Changing Lawyers or Taking Over an Existing Claim
If you’ve already started a superannuation or insurance claim with another lawyer, or tried to manage it yourself, you are not locked in. TPD Claims Lawyers can step in at any stage to take over your case and ensure it is handled with the right strategy and care.
Why Clients Change Lawyers
- Lack of communication: You’re not receiving updates or clear explanations about your claim’s progress.
- Concerns about fees: You’re worried about hidden charges, uplift fees, or unclear billing practices.
- Loss of confidence: You don’t feel your current lawyer has the expertise or focus on insurance and superannuation claims.
- Delays or poor strategy: Your claim is taking longer than expected or hasn’t been prepared thoroughly.
How We Take Over
Our process for stepping in is straightforward:
- File review: We request your file from your previous lawyer or gather the documents if you’ve been self-managing.
- Strategy reset: We review the evidence, insurer correspondence, and policy terms to identify gaps and next steps.
- Clear terms: We put our No Win No Fee agreement in place so you have certainty about fees going forward.
What It Means for You
Once we take over your claim:
- You’ll benefit from our dedicated focus on TPD, TTD, income protection, trauma, and death benefit claims.
- Your matter will be handled with clear communication, specialist knowledge, and transparent fee terms.
- You can feel confident that your case is back on track and in the right hands.
If you’re not satisfied with the way your claim is being managed, switching to TPD Claims Lawyers can give you the confidence, clarity, and expertise needed to secure your entitlements.
Complaints, Feedback & Quality Safeguards
At TPD Claims Lawyers, we are committed to providing not only expert legal representation but also a positive and transparent client experience. We encourage feedback, take complaints seriously, and have safeguards in place to ensure the quality of our services.
Your Feedback Matters
We welcome your feedback at any stage of your claim. Whether it’s a suggestion, concern, or compliment, your input helps us improve and ensures we continue to meet high professional standards.
Complaints Process
If you are ever unhappy with any aspect of our service, you can raise a complaint and expect it to be handled promptly and fairly:
- Step 1 – Raise with your lawyer: Often, issues can be resolved quickly by speaking directly with your lawyer or case manager.
- Step 2 – Escalate internally: If you’re not satisfied, your complaint can be escalated to a senior lawyer or practice manager for review.
- Step 3 – Independent options: If the matter remains unresolved, you may refer it to an external body such as the Legal Services Commission (QLD) for further consideration.
Quality Safeguards
- Clear agreements: All fee terms are documented in writing before we proceed with your claim.
- Regular updates: We provide ongoing communication so you’re never left wondering about the status of your claim.
- Professional standards: Our lawyers comply with strict ethical and professional obligations set by Queensland law and the Legal Profession Act.
- Client-first approach: We treat every matter with empathy, respect, and care, recognising the stress of being unable to work and the importance of your claim.
Our Commitment
We aim for every client to feel supported, informed, and confident in the way their claim is managed. If something isn’t right, we will work with you to fix it. Your trust is central to our work, and we take every step to safeguard it.
FAQs (Short & Practical)
Here are some of the most common questions clients ask us about our No Win No Fee terms, answered in plain English.
Do I pay anything to start?
No. You don’t pay any upfront professional fees to begin your claim. In most cases we also cover standard case expenses upfront so your claim can progress without delay.
How long will my claim take?
Many superannuation and insurance claims resolve within 6–12 months through negotiation or AFCA. More complex matters, or those requiring litigation, can take longer. We’ll keep you updated with clear timelines along the way.
Could I ever be left with a legal bill?
No. If your claim is unsuccessful, you won’t pay our professional fees. In rare court cases, there can be a risk of adverse costs, but we’ll explain this fully before you make any decision to litigate.
Can you help if my claim has already been rejected?
Yes. We regularly step in after claims have been refused or delayed. We review the rejection, gather stronger evidence, and pursue internal reviews, AFCA complaints, or legal action if needed.
Will I ever pay a “success fee” or uplift?
No. We never charge an additional uplift or success fee. Our fees are based only on the actual work we perform, and all terms are confirmed in writing before your claim proceeds.
Can you take over if I started my claim myself or with another lawyer?
Yes. We can take over at any stage, review your file, and get your matter back on track under our No Win No Fee terms.
Ready to Get Started?
If you are thinking about making a TPD, TTD, income protection, trauma or death benefit claim — or if your claim has already been rejected or delayed — our No Win No Fee terms mean there is no financial risk in speaking with us.
We offer a free, no-obligation claim review where we assess your eligibility, explain your options, and outline how our No Win No Fee agreement can help you move forward with confidence.
- No upfront costs — start your claim without paying anything.
- No hidden extras — transparent fees, no uplift or success fee.
- No risk — if your claim is unsuccessful, you pay nothing for our professional services.
Time limits apply to most superannuation and insurance claims, so don’t wait until it’s too late to take action.