Our role is to successfully handle all challenges and pursue your claim from start to end and explaining everything in simple terms as we go.
Our experienced team is dedicated to guiding you through each stage of the claims process, tailoring our approach to your unique circumstances and working to secure the financial support you deserve.
Not every illness or injury automatically qualifies for a TPD benefit. Superannuation funds have strict policy definitions that must be met. Our team specialises in assessing your circumstances against these definitions and guiding you on whether you are likely to meet the criteria.
Eligibility usually depends on your inability to return to work in a role suited to your education, training, or experience due to illness or injury. Policies may also include extra requirements, such as being under ongoing medical care or unable to perform normal occupational duties.
Submitting a claim without meeting the policy’s definitions often results in rejection and delays. By checking eligibility first, we ensure your claim is properly supported and give you the best chance of success.
Without expert guidance, claimants often face:
Our team helps you overcome these hurdles by reviewing policies, obtaining medical opinions, and clarifying work history.
By starting with a clear eligibility assessment, TPD Claims Lawyers give you confidence that your claim is built on the strongest possible foundation.
Every superannuation policy is unique and comes with its own definitions, conditions, and exclusions. Our team carefully reviews your policy to identify what benefits are available, and to explain in plain language the requirements you must meet before a claim can succeed.
We examine the terms of your superannuation fund’s insurance cover, focusing on how “total and permanent disability” is defined, what evidence is required, and whether additional restrictions or waiting periods apply to your claim.
A thorough policy review ensures that your claim is targeted, accurate, and supported by the right documentation. Without understanding the fine print, claims can be delayed or rejected unnecessarily.
Some of the difficulties claimants face include:
Our role is to clarify these complexities so you know exactly what your policy provides.
By reviewing your policy in detail, TPD Claims Lawyers ensure that you fully understand your entitlements and are prepared for any challenges that may arise during the claims process.
A successful TPD claim requires a carefully prepared submission supported by strong evidence. Our team ensures that every document, medical certificate, and employment record is properly compiled to give your claim the best chance of approval.
We prepare a detailed application to your superannuation fund that includes medical reports, employment records, and other relevant evidence. Most funds require certificates from at least two treating doctors confirming permanent disability, and sometimes supporting documents from your employer.
Funds assess claims strictly against their policy definitions. A poorly prepared claim may lead to unnecessary delays, requests for further information, or outright rejection. A strong submission addresses the fund’s requirements upfront, reducing these risks.
Many claimants encounter issues such as:
We manage these challenges by ensuring all documents are accurate, consistent, and complete before submission.
With TPD Claims Lawyers, your claim submission is prepared thoroughly and strategically, giving you the best chance of a successful outcome.
Once your claim is ready, we handle the entire lodgement process with your superannuation fund. From preparing submissions to ongoing communication, we ensure everything is managed professionally so you can focus on your recovery and wellbeing.
We submit your claim application together with medical evidence, employment history, and supporting statements. The fund may also request that you attend an independent medical assessment conducted by a specialist they appoint.
Super funds often take months to review applications and may ask for additional documents or clarification. Having your claim actively managed avoids delays, ensures deadlines are met, and keeps pressure on the fund to progress your matter.
Claimants without support often face issues such as:
We guide you through each step, manage communication with the fund, and make sure your rights are protected.
With TPD Claims Lawyers managing the process, you can have peace of mind knowing your claim is being handled efficiently and with your best interests in mind.
Strong medical evidence sits at the heart of every successful TPD claim. We coordinate your treating practitioners, organise any required assessments, and ensure the medical case aligns with your policy’s definition of “total and permanent disability.”
Most superannuation funds require certificates from two treating doctors confirming permanent incapacity. Funds may also arrange an Independent Medical Examination (IME) or Functional Capacity Evaluation (FCE) to verify your limitations and prognosis.
Funds assess TPD strictly against medical proof. Clear, consistent reports that address the policy tests (education, training, and experience; capacity for any suitable work; permanence) markedly increase approval prospects and reduce delays.
With a coherent, policy-focused medical case, TPD Claims Lawyers gives your claim the strongest clinical foundation and reduces the risk of avoidable delays or rejection.
Many Australians have more than one superannuation account, often from changing jobs or employers. Each of these funds may carry separate TPD insurance cover. We help you identify, review, and pursue claims across all eligible funds to maximise your entitlements.
If you hold several superannuation accounts with active insurance cover, you may be able to make more than one TPD claim. This means multiple lump sum payouts may be available, provided you meet the policy definitions and timeframes for each fund.
Failing to claim against all eligible funds can mean leaving significant compensation unclaimed. Multiple successful claims can provide the financial support needed to cover medical costs, ongoing care, and long-term living expenses.
By leveraging all available superannuation funds, TPD Claims Lawyers helps you secure the full financial benefits you’re entitled to, ensuring no opportunities are missed.
Not every TPD claim is approved the first time. Superannuation funds and insurers frequently reject or delay claims due to technicalities, incomplete evidence, or strict interpretations of policy definitions. Our team specialises in challenging these decisions and pushing stalled claims forward.
A rejected claim means the fund has determined you do not meet their policy criteria. A delayed claim often occurs when the fund requests additional evidence or takes excessive time to reach a decision. Both situations can cause significant financial and emotional strain.
Funds often rely on narrow definitions, conflicting medical evidence, or administrative hurdles to deny or delay claims. Many rejections can be overturned with stronger submissions, additional medical support, or formal review processes.
With TPD Claims Lawyers on your side, a rejected or delayed claim doesn’t have to be the end of the road. We fight to overturn rejections and push stalled claims to resolution, ensuring you have the best chance of receiving the benefits you deserve.
Receiving a Total and Permanent Disability (TPD) payout through your superannuation can provide critical financial support, but many clients are surprised to learn that tax may apply. The amount of tax payable depends on your age, employment status, and how the payment is structured. Our team helps you understand these rules and plan for the best financial outcome.
TPD benefits paid from superannuation are generally taxed as a “superannuation disability benefit.” The tax treatment varies depending on whether the benefit is taken as a lump sum or income stream, and whether you are under or over preservation age (usually between 55 and 60, depending on your date of birth).
Without proper planning, a significant portion of your payout may go to tax. Understanding the applicable rates and concessions ensures you retain more of your benefit for your recovery, future living expenses, and family needs.
With TPD Claims Lawyers, you’ll gain clarity on how much of your payout you’ll actually receive and strategies to minimise tax, so you can focus on recovery and financial stability.
Strict timeframes apply to TPD claims through superannuation funds and insurers. Missing a deadline can significantly impact your eligibility or reduce your entitlement. Our team ensures your claim is lodged on time and managed within the required legal and policy timeframes.
Each fund and insurer sets its own deadlines, often requiring claims to be lodged within a set number of years after you stop work or become disabled. In addition, general limitation periods under Australian law may apply if disputes escalate to court or AFCA complaints.
Failing to meet time limits can result in your claim being rejected outright, regardless of its merits. Starting the process early allows more time to gather evidence, obtain medical reports, and resolve any complications before the deadline passes.
With TPD Claims Lawyers, you’ll never risk missing a critical deadline. We keep your claim on track, on time, and fully compliant with fund and legal requirements.
Mental health conditions, such as depression, anxiety, PTSD, or bipolar disorder, are increasingly recognised as valid grounds for Total and Permanent Disability (TPD) claims. Our team has extensive experience helping clients demonstrate how their mental illness prevents them from returning to suitable work.
Unlike physical injuries, mental health conditions can be harder to prove because symptoms are often less visible. A successful claim usually requires detailed medical evidence showing that your condition is permanent, ongoing, and prevents you from working in any role suited to your education, training, or experience.
Thousands of Australians stop working each year due to mental illness, yet many never claim their superannuation TPD benefits. Making a claim can provide critical financial stability, covering living expenses, medical treatment, and long-term support during recovery.
With TPD Claims Lawyers, you’ll have compassionate experts on your side who understand the complexity of mental health and know how to secure the financial support you deserve.
We help you access TPD, income protection, and death benefit payouts — with expert guidance and real results.
Our mission is to apply our deep knowledge of TPD, income protection, and death benefit claims to deliver legal outcomes that truly support our clients’ financial recovery and peace of mind. We aim to simplify complex processes and provide guidance every step of the way.
We are committed to acting with compassion, integrity, and precision — anticipating obstacles and addressing them with strategy and care to achieve the best result possible for every client.
We understand that every person’s situation is unique. Whether you’re navigating a Total and Permanent Disability (TPD) claim, pursuing income protection benefits, or seeking a death benefit after losing a loved one, we take the time to learn about your circumstances in full. We don’t just process claims — we listen, investigate, advise, and act in your best interests at every stage.
Our firm is built around a simple but powerful idea: people first. We take a compassionate, client-focused approach that makes legal processes less overwhelming. We cut through complexity and communicate in plain language — not legal jargon — so you feel informed and empowered from start to finish.
To ensure your matter progresses efficiently, we use up-to-date case management systems that allow our team to provide real-time updates. You’ll never be left wondering where your claim stands — and we’re always available to answer questions when you need us.
A claim made through your super fund if you are permanently unable to work due to illness or injury.
No. TPD claims are not fault-based. Eligibility depends on medical and policy criteria.
Most claims take 3–12 months, depending on the complexity of your case and your super fund’s process.
Yes, if you hold multiple funds with insurance, you may be able to lodge multiple TPD claims.
Our team is ready to help with your TPD, income protection, or death benefit claim — no matter where you’re at in the process.
See how we've helped individuals access their full entitlements.
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