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Let Us Help You Secure A TPD Claim On Your Behalf
If you have suffered a total and permanent disablement, our team can assist you in making an eligible claim through your TPD insurance benefits or superannuation fund.
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You can rely on our team to confidently negotiate on your behalf to secure a TPD claim through your insurer or superannuation.
A dedicated team with a track record of success in TPD Insurance claim matters.
Obtain legal assistance without legal fees unless we achieve results for you.
If you are unsure if you can make a superannuation or TPD insurance claim, our team can help. We’ll help you to understand your policies and eligibility to make a claim.
If you have suffered a total and permanent disability at work or elsewhere, you may be eligible to make a TPD claim.
This can be done if you hold an eligible superannuation or insurance policy. Some people can even make multiple TPD claims if they have the correct cover from one or more policies.
Since 1992, Australian employers must contribute to employees’ superannuation funds.
Super funds include death benefits for terminally ill policyholders or dependents, and often offer lump-sum TPD payments, TTD payments, income protection, trauma insurance, and mortgage protection insurance.
If you need assistance making a Total & Permanent Disability claim, contact our team today.
Although superannuation benefits are usually claimed on retirement, in some circumstances, you can claim these benefits earlier if you cannot work because of an accident or illness.
Examples of when you can claim include:
You have a terminal illness.
You cannot work (permanently or temporarily).
You have been on Centrelink and cannot pay your living expenses.
You cannot pay your mortgage and need to access money to prevent your house from being sold.
You must pay for modifications to your car or house due to a disability.
You need to pay medical or funeral expenses.
Often, the circumstances of your illness/accident are not relevant to your ability to make a claim; it’s more about whether you had an eligible policy in place at the time it occurred.
Some people may even have multiple policies in place, which can happen if super funds were not merged or have been forgotten about.
However, lodging these claims can be complex. If you have more than one policy or multiple super funds, each will have its terms and conditions.
Timelines for submitting claims or disputing fund decisions do apply.
These claims usually take months to assess, and there can be waiting periods. Appropriate documents must be supplied to speed up the process.
Reviewing insurance policies within their superannuation to understand coverage and entitlements.
Helping clients lodge Total and Permanent Disability (TPD) claims to access superannuation benefits due to disability.
Representing clients in appeals against denied TPD claims, ensuring their rights and benefits are protected.
Resolving disputes with superannuation funds over TPD claims and other entitlements.
Helping clients prove permanent incapacity to access their superannuation funds.
Supporting clients in accessing insurance benefits or super due to the death of a loved one.
We recognise your difficulties, and our team is dedicated to achieving the best results for you. As more than just compensation lawyers, we are passionate advocates for justice, treating each case as a unique story that deserves fairness and proper care.
Understanding that the claims process can be exhausting, we aim to make your legal journey easier. Whether you’re in the midst of recovery or dealing with a past injury, you can rely on the highly experienced team at National Compensation Lawyers to provide comprehensive support throughout the process.
We act on a “No Win, No Fee “basis. If we do not win, you do not pay our legal fees.
Navigating the legal system for TPD claims can be overwhelming. Our highly skilled team will support you every step of the way while making a claim.
Receive a free assessment to determine if you can pursue a TPD or superannuation claim.
We’ll collaborate with you to develop a tailored legal strategy for the best possible outcome in your TPD claim.
We’ll advocate for your rights throughout the process and fight to obtain the compensation you are entitled to.
Complete the form below to schedule your free consultation with one of our dedicated Melbourne TPD lawyers.
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Successful TPD and superannuation claims may be paid as entitlements in a lump sum or weekly payment, depending on your claim. An insurance lump sum payment does not usually affect your retirement entitlements and can be claimed in addition to payments from TAC, Work Cover or similar authorities. A TPD lump sum payment will be paid only if you are totally and permanently disabled due to illness or injury.
Yes, it is possible to make multiple TPD (Total and Permanent Disability) insurance claims if you have more than one policy or additional coverage from different superannuation funds. Each claim would be assessed separately based on the terms and conditions of each policy or fund. Lots of people end up with many superannuation funds over the years, so it’s worth checking to see if any have an active insurance benefit.
Superannuation funds offer various benefits, so reviewing your fund’s specifics is crucial. Here’s a summary:
Life Insurance: Provides a payout to a nominated beneficiary upon death or terminal illness. Ensure a beneficiary is named to avoid disputes.
Total and Permanent Disability (TPD): For more details, see our TPD claims section.
Total and Temporary Disability (TTD): For more details, see our TTD claims section.
Income Protection: Covers expenses if you can’t work due to illness or injury, typically offering a percentage of your income for a limited period. Policies may have waiting periods.
Trauma Insurance: Pays a lump sum if diagnosed with a covered condition, such as a heart attack or stroke. This is optional and usually added through your super fund.
Remember, you may be able to claim some benefits before retirement or death, depending on your policy. Each Superannuation fund has different benefits. Accordingly, it is essential to check your Fund.
Trauma insurance is paid if you are diagnosed with a specific medical condition provided for in the policy (for example, heart attack or stroke). Trauma insurance typically pays a fixed amount as a lump sum. Trauma insurance is usually optional.
These additional benefits are purchased through the Superannuation fund. The premiums are deducted from the money within the Superannuation account. The intended purpose is that the benefit assists with ongoing expenses, such as mortgage, education, or loans.
It is important to note that policyholders do not always need to wait until they retire or die before claiming the superfund. Sometimes, a claim for benefit may be made at an earlier stage.
The Australian Financial Complaints Authority (AFCA) helps resolve disputes between consumers and financial service providers, including issues related to superannuation and TPD (Total and Permanent Disability) claims.
If you have a complaint about a superannuation fund or insurance provider regarding a TPD claim, you can escalate your issue to AFCA if you’re unsatisfied with the provider’s response. AFCA offers a free and independent service to help achieve fair resolutions.
If you cannot undertake your regular employment or any work related to your training and experience due to 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 from policy to policy; however, in general terms, the test is whether the person cannot work in any occupation for which they are reasonably qualified, given their education, training or experience.
For example, if someone with experience and training in operating earthworks equipment suffers a back injury, they cannot operate the machinery but can work in an office, then they will likely have a claim.
If you cannot do your normal work temporarily, you may have a Total and Temporary Disability (TTD) claim. These payments are usually a percentage of your wage, paid weekly.
The superannuation fund dictates the claim process. However, you will be asked to complete forms, provide medical reports, attend medical examinations, etc. The claim process will be delayed if not correctly adhered to.
Yes. You can file a complaint if you disagree with your super Fund’s decision. The Fund has a set period to respond. If you are still aggrFundd, you can ask the Superannuation Complaints Tribunal to assess the matter.
Each super fund provides different benefits, depending on the foundation of your illness/injury. When you contact our team, we’ll obtain the appropriate information from your Fund, so we can provide the entitlements you expect.
TPD payouts typically take several months, contingent on the claims process, the insurer’s decision, and any required medical assessments. Legal assistance can expedite this process.
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Melbourne, Victoria, 3000