Total & Permanent Disability (TPD) Claims in Western Australia
You may be able to make a Total and Permanent Disability (TPD) claim through your superannuation. Many people are covered by TPD insurance without realising it. We can help you understand whether you may be eligible and guide you through the claims process.
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What Is a TPD Claim?
A TPD claim is a type of insurance claim that is often included in your superannuation fund.
It may provide a lump sum payment if you are unable to return to work due to injury or illness.
Each policy has its own definition of "total and permanent disability".
Who Can Make a TPD Claim?
You may be able to make a claim if:
- You have stopped working due to injury or illness
- Your condition prevents you from returning to your usual job
- You hold superannuation with TPD insurance
Eligibility depends on your policy and medical evidence.
What Can a TPD Payment Be Used For?
A successful claim may provide a lump sum that can be used for:
- Living expenses
- Medical treatment
- Mortgage or debt reduction
- Ongoing care needs
Each claim depends on the individual circumstances.
How We Help — A Simple, Structured Process
We:
Time Limits and Delays
TPD claims can involve strict requirements and time considerations.
Delays can affect your claim, so it is important to seek advice early.
Costs & No Win, No Fee
We offer No Win, No Fee arrangements in many TPD matters.
This generally means our professional fees are payable only if your claim is successful. Conditions apply.
We will explain all costs clearly before you proceed.
Frequently Asked Questions
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A TPD (Total and Permanent Disability) claim is an insurance claim that is often included in your superannuation. It may provide a lump sum payment if you are unable to return to work due to injury or illness.
Many superannuation funds include TPD insurance automatically. If you are unsure, we can help you check your superannuation and explain what cover you may have.
Each policy has its own definition of "total and permanent disability". In some cases, it relates to your usual job, and in others it may relate to any suitable work.
We can review your policy and explain how it applies to your situation.
You may still be able to make a claim depending on your superannuation and insurance policy. It is best to seek advice as soon as possible.
The timeframe varies depending on the complexity of the claim, medical evidence and insurer requirements. Some claims take several months or longer.
We will explain the process and keep you informed along the way.
This usually includes:
- Medical records
- Employment history
- Details of your condition and treatment
We assist with gathering and preparing the required information.
If you have multiple superannuation funds with TPD cover, you may be able to make more than one claim. This depends on your policies and circumstances.
A successful TPD claim may affect your superannuation balance and insurance cover. We can explain how this may apply to you before you proceed.
You are not required to use a lawyer, but legal assistance can help ensure your claim is prepared properly and managed through the process.
If your claim is declined, you may have options to request a review or appeal the decision depending on the circumstances.
We can advise you on possible next steps.
Speak With a Lawyer About Your Situation
Time limits apply to both motor vehicle and workers compensation claims in Western Australia. Seeking advice promptly is important.
Seeking advice promptly is important
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No Win, No Fee arrangements available in eligible matters. Conditions apply.
Important Information
The information on this website is general in nature and does not constitute legal advice.
No solicitor-client relationship is created unless a formal costs agreement is entered into.
Outcomes depend on individual circumstances and statutory criteria.
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.