Unable to Work Due to Injury or Illness?
If you are unable to return to work due to injury or illness, you may be eligible to make a Total and Permanent Disability (TPD) claim through your superannuation fund. TPD claims are assessed under the terms of your specific insurance policy. Understanding your eligibility can be complex. Speak with our legal team to understand your options.
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What Is a TPD Claim?
A TPD claim is typically made through a superannuation fund that includes disability insurance.
Eligibility depends on the policy definition, which may include:
- Inability to return to your usual occupation; or
- Inability to work in any occupation suited to your education, training or experience
Each policy must be reviewed based on its specific terms.
Types of Conditions That May Be Relevant
TPD claims may arise from a range of conditions including:
- Orthopaedic injuries
- Chronic pain conditions
- Psychological injuries
- Neurological conditions
- Serious illnesses
Eligibility depends on medical evidence and the applicable policy definition.
Why Legal Advice May Assist
TPD claims can involve:
- Complex policy definitions
- Medical evidence requirements
- Insurer assessments and delays
- Requests for further information
We can review your policy, assess your circumstances and guide you through the process.
No Win, No Fee Options
In suitable matters, we may offer a conditional costs agreement.
This generally means professional legal fees are payable only if your claim is successful, subject to the written agreement.
Before You Proceed, We Will Explain:
- How our fees are calculated
- Responsibility for disbursements
- Circumstances where costs may become payable
You are not obliged to proceed after receiving advice.
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Frequently Asked Questions
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A TPD claim is a claim made under a superannuation policy where you are unable to work due to injury or illness, subject to the terms of the policy.
In many cases, TPD claims require that you are unable to return to work, but this depends on the definition in your policy.
Timeframes vary depending on the insurer, medical evidence and complexity of the claim. Some claims are resolved within months, while others may take longer.
Some people may hold multiple superannuation accounts with insurance. Each policy must be assessed individually.
You may be able to challenge a declined claim depending on the circumstances. Legal advice can assist in assessing your options.
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Initial enquiries are obligation-free.
We will explain any costs before you decide to proceed.
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Who Operates This Service
Resolve Claims is a marketing website operated by Resolve Law Group.
All enquiries are received directly by Resolve Law Group.
We do not purchase, sell or transfer personal injury claims.
Important Information
The information on this page is general in nature and does not constitute legal advice.
Eligibility for TPD benefits depends on the terms of your insurance policy and your individual circumstances.
No Win, No Fee Disclaimer: No Win, No Fee refers to our legal fees only. You may still be liable for disbursements (third-party costs such as medical reports and court filing fees) and, in some circumstances, the other party's legal costs if your claim is unsuccessful. Full details of our fee arrangement will be provided to you in a costs agreement before any work commences.