Disability Claims (TPD)
If you are permanently unable to return to work due to illness or injury, you may be entitled to a Total and Permanent Disability (TPD) benefit through the insurance cover provided as part of your superannuation.
Suffering from total and permanent disability?
If you have suffered an injury or illness that means you are no longer capable of working, it can be physically, mentally and financially devastating. Our specialist team can provide expert legal advice on pursuing a claim for TPD benefit.
Do I have TPD cover?
Most superannuation funds provide insurance cover to their members, which includes Total and Permanent Disablement (or TPD) insurance. If, due to injury and/or illness, you are unable to work and unlikely to return to employment for which you are suited (taking into account your education, training and experience), you may be entitled to a lump sum benefit under your TPD insurance.
DBH Lawyers can conduct preliminary enquiries to ascertain whether you have TPD cover and the likely amount of the TPD benefit, before you make a decision about making a claim.
Call us to discuss your situation at an obligation free first interview, or complete our Free Claim Check form.
The TPD claim process
Making a Total and Permanent Disablement (TPD) claim can be daunting, as there are multiple steps that need to be completed. DBH Lawyers will guide you through every stage of the claims process to help you secure your TPD benefit.
Is there a waiting period?
You will usually need to be unable to work due to illness and/or injury for a period of at least 90 days before commencing the Total and Permanent Disablement (TPD) claims process.
Investigating your cover
We will investigate the TPD insurance cover you may be able to access through your superannuation fund(s).
Preparing the claim
DBH Lawyers will take care of the entire process, including all claim paperwork, medical attendant statements, and submissions to insurers and superannuation funds.
How long does it take?
Most claims are determined and paid within 12 to 18 months.
Legal costs for a TPD claim
If we believe your claim has good prospects of success, we will act on a no-win, no fee basis.
This means you only pay our fees if your insurer or superannuation fund accepts your claim.
This doesn’t include out-of-pocket expenses, like fees for medical records and reports. If you can’t afford to pay for these expenses, we may cover the costs on the basis that you reimburse us from the benefit amount received, or we can arrange third party funding.
We can also offer fixed-fee agreements, so you know what you will pay (if successful) from the start.
Need advice?
Get in touch.
Send us your question and we’ll respond via text
Frequently Asked Questions
If you want to know more about TPD Benefit claims, read our FAQs below to get answers to common questions.
See All How do I find out whether I have TPD insurance?
If I have more than one super fund, can I make multiple claims for TPD?
If I’ve made a different type of injury claim, does that disqualify me from making a TPD claim?
Do I need a lawyer to represent me when claiming TPD insurance?
When should I make my TPD claim?
Helpful links and resources
If you’ve suffered hearing loss and/or tinnitus from noise exposure at work, you may be eligible to claim lump sum compensation, as well as compensation for the cost of hearing aids and other associated expenses.