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Superannuation & TPD - Frequently Asked Questions

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What is superannuation?

Superannuation is a scheme established by the Australian Government in 1992 to financially assist people in retirement. Employers are obliged to contribute a specified amount to employees’ superannuation funds.

What are superannuation benefits?

Your superannuation fund provides you with an income on retirement. However, most funds include additional benefits, for example, Total and Permanent Disability (TPD), Total and Temporary Disability (TTD), income protection, trauma insurance, mortgage protection, death benefits and the like.

What is a TPD claim?

If you are unable to undertake your normal employment or any work related to your training and experience, as a result of illness or an injury, you may have a Total and Permanent Disability (TPD) claim. A lump sum payment is made.  

It is important to note that even if you can still work, you may qualify. The applicable test varies policy to policy, however, in general terms; the test is whether the person cannot work in any type of occupation for which they are reasonably qualified, given their education, training or experience. For example; if a person who experience and training has been operating earth works equipment suffers a back injury which means they cannot operate the machinery but they can work in an office, then they will likely have a claim.

What is a TTD claim?

If you are unable to do your normal work on a temporary basis, then you may have a Total and Temporary Disability (TTD) claim. These payments are normally a percentage of your wage, paid weekly.

Do all superfunds have the same benefits?

No. Each superannuation fund has different benefits, entitlements, claims processes and appeal processes. Accordingly, you should obtain legal advice and assistance from a National Compensation Lawyer.

Do I have a claim?

All superannuation funds have different rules. Accordingly, we encourage you to contact a National Compensation Lawyer as soon as possible. We will ascertain whether you have a claim, the correct process and timeframe for lodging claims.  

It is important to note that you can still claim even if you are not making super contributions, your super fund has already paid out other benefits, or the policy holder has passed away.

How do I claim?

The superannuation fund dictates the claim process. However, you will be asked to complete forms, provide medical reports, attend medical examinations and the like. The claim process will be delayed if not properly adhered to. We encourage you to contact a National Compensation Lawyer to assist with the process.

Can I dispute the funds decision?

Yes. If you do not agree with your superfund’s decision, or do not believe they are dealing with your claim fairly, you can lodge a Complaint. The Fund has a set period to respond. If you are still aggrieved, you can ask the Superannuation Complaints Tribunal to assess the matter. Time limits do apply, so we encourage you to contact a National Compensation Lawyer.

How much money will I receive?

Each superfund provides different benefits. It also depends on the extent of your illness/injury. When you contact National Compensation Lawyers, and we have obtained appropriate information from your Fund, we will be able to provide details of the entitlements you can expect.

For more information or to arrange an obligation free consultation with a lawyer please call us on 1300 FEARLESS (1300 332 753).