What is a TPD Claim?
A TPD (Total and Permanent Disability) claim provides a lump‑sum payout if you’re unable to work due to illness or injury. Commonly included in your superannuation, it’s often overlooked and underestimated—but can be a vital financial support when you need it most.
You become eligible when:
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You’ve been unable to work for at least three months,
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There is little or no expectation of returning to work,
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Your policy’s specific definition of “total and permanent disability” is met.
Why TPD Claims Fail—and How to Avoid It
Around 60% of TPD claims are abandoned or rejected. Common pitfalls include:
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Insufficient medical or other evidence,
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Not meeting the policy’s definition of disability,
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Delayed applications or inactive policies due to closed accounts,
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Failing to satisfy work history or age thresholds.
Key tip: A complete, well-substantiated application dramatically increases your chances.
7 Steps to a Successful TPD Claim
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Identify your TPD policies
Gather all superannuation statements—each may carry separate cover. You could have multiple TPD policies even without realising it. Practical Tips: Check your ATO account and see how many super accounts you are holding. -
Confirm policy validity
Check which policies were active when your disability began. Even gradual illnesses need careful date alignment. -
Understand criteria in your policy
Policies vary—some pay out if you’re unable to work in your own occupation, others if you’re unable to work at all. -
Prepare a comprehensive application
Submit all relevant evidence upfront: medical reports, diagnostic results, worker’s compensation documents, etc.—incomplete claims stall progress. -
Write a clear submission
Explain how your condition meets the policy’s wording. Insurers respond more favourably to professionally articulated claims. -
Proactively follow up
Check in with assessors regularly to confirm receipt of documents and identify any missing items, reducing delays. -
Challenge denials if necessary
If rejected, you can appeal internally, or escalate via external dispute resolution or legal assistance.
Payouts: What You Could Receive
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Typical payouts range from $60,000 to $500,000, frequently over $200K.
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With multiple valid policies, your total could be far higher.
Mental‑Health Related TPD Claims
Mental illness (PTSD, depression, etc.) can qualify—your limitation in working capability matters, not cause. Diagnosis, medical proof, and policy definitions are central.
Should You Use a Lawyer?
While self-managing is possible, statistics show experienced TPD lawyers:
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Ensure applications are comprehensive,
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Provide polished written submissions,
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Accelerate the process,
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Successfully overturn denied claims.
Many firms, like us, offer no win, no fee (and sometimes no disbursements) services, meaning no costs unless they deliver your payout.
How Long Will It Take?
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Insurer assessment: typically 6 months, but potentially longer for complex cases.
Start Your Claim with Confidence
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Free policy checks: Phone services (e.g., 1300 168 688) often available to help locate and assess coverage.
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Use professional support when needed: especially to guide you through appeals and complex submissions.
Key Takeaways
| Action | Why It Matters |
|---|---|
| Collect all TPD policies | Maximises benefit potential |
| Confirm valid policy dates | Ensures eligibility |
| Submit fully supported documents | Minimises delays & denials |
| Articulate how you meet policy terms | Makes your case compelling |
| Follow up regularly | Keeps your claim moving |
| Don’t give up if denied | You can appeal or seek legal aid |
By following this guide’s steps, you significantly increase your chance of a successful and swift TPD claim. Whether supporting your initial application or appealing a denial, professional help—often free at the outset—can make all the difference.
Want help with your TPD claim?
Call 1300 168 688 or chat with a lawyer to explore your cover, check for multiple policies, and assess your eligibility—completely free.
