TOTAL PERMANENT DISABLEMENT - NO WIN, NO FEE
You may be owed a lump sum through TPD Claims in Australia
If a medical condition has permanently stopped you working, you may qualify for TPD Claims in Australia through your super fund’s insurance policy. Many Australians could be entitled to a lump sum payout of up to $440,000, yet most have no idea this cover exists inside their superannuation.
No upfront costs
Fixed fee — no surprises
Incorporated Legal Practice
$440K+
Maximum lump-sum TPD payout available
$0
Upfront cost — No Win, No Fee
3-12
Months typical claim timeframe
All
Physical & psychological conditions covered
ABN Verified
ABN 89 645 223 043 —
Incorporated Legal Practice
3–12 Mon
Typical TPD claim timeframe
$440K+
Maximum TPD payout available
No Win
No Fee — zero upfront costs
WHAT IS TPD?
TPD insurance in superannuation, explained simply
TPD (Total Permanent Disablement) insurance is a benefit built into most Australian superannuation funds automatically. If you become permanently unable to work due to illness or injury, you may be eligible to make a TPD insurance claim through your super for a lump-sum payout.
The tricky part? Policies differ. Some cover your "own occupation" (your specific job), others cover "any occupation" (any work at all). Our legal team reads your exact policy and advises you on the strongest possible grounds for your superannuation TPD claim.
You don't need to have recently quit your job
Physical and psychological conditions both qualify
Multiple super funds = multiple potential claims
Lump sums are typically tax-free when paid from super
A previous denial can be challenged and overturned
TPD payout ranges
Actual amounts depend on your fund, policy, and cover level.
Minimum typical payout
Average successful claim
Maximum available
Claim timeframe
Upfront cost to you
Our fee structure
~$50,000
~$150,000–$250,000
$440,000+
3–12 months
$0
Fixed — disclosed upfront
THE PROCESS
How your TPD claim works,
step by step
We handle every step. You focus on your health.
1
Free eligibility assessment
We review your super fund policy, your medical condition, and your employment history to determine whether a TPD claim is viable at zero cost to you, with no obligation to proceed.
2
Gather medical & supporting evidence
We coordinate with your treating doctors, specialists, and any other relevant practitioners to compile the strongest possible medical evidence pack. You don't need to chase anyone.
3
Lodge the claim with your super fund
We prepare and submit all documentation to your fund and insurer, ensuring every requirement is met and every box is ticked. Nothing is left to chance.
4
Manage all insurer correspondence
We handle every communication from the insurer, responding to requests for information, providing supplementary evidence, and pushing for timely decisions on your behalf.
5
Payout your benefit, in full
Once approved, your TPD benefit is paid directly to you as a lump sum. Our fixed fee is only payable at this point. No win means no fee, ever.
COVERED CONDITIONS
The most common TPD claims
we handle
These are not exhaustive. If your condition stopped you working, contact us. We assess every situation at no cost.
Depression & Mental Health
-
Depression
-
Anxiety
-
PTSD
-
Bipolar Disorder
-
Schizophrenia
-
OCD
-
Burnout
Cancer
-
Breast Cancer
-
Bowel Cancer
-
Prostate Cancer
-
Leukaemia
-
Brain Tumour
-
Lung Cancer
Cardiovascular
-
Heart Attack
-
Heart Failure
-
Stroke
-
Angina
-
Arrhythmia
-
Valve Disease
Neurological
-
Multiple Sclerosis
-
Parkinson's
-
TBI
-
Epilepsy
-
MND
-
Dementia
Musculoskeletal
-
Spinal Injury
-
Severe Arthritis
-
Chronic Pain
-
Fibromyalgia
-
Disc Herniation
Other
-
Diabetes
-
Kidney Disease
-
Lupus
-
Vision Loss
-
Amputation
-
Burns
FAQ
TPD claims advice,
from our legal team
The most common questions we hear from clients about making a TPD claim in Australia.