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Total Permanent Disability (TPD) & Superannuation Claims

How We Can Help


Are you unable to work due to illness or injury?

If you’ve had to stop working because of illness or injury, there’s a good chance you’re eligible for a significant payment through a TPD claim. 

Most Australians have TPD insurance through their superannuation without even realising it, and this could entitle you to significant financial relief. Whether your condition is work-related or not, we’ll help you understand your options and maximise your entitlements.

We’ll work to ensure you get the financial support you deserve—helping you cover medical bills, day-to-day expenses, or even your mortgage—so you can focus on your recovery without financial stress.

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THE PROCESS

How We Can Help You Receive a Successful TPD Claim

Whether you're insured through superannuation or other policies, we’ll guide you through the process, ensuring that you meet the criteria and submit a strong claim.

01 

Eligibility Check

We investigate whether you're covered and eligible for a TPD claim, even if you aren’t aware of your insurance. In some cases, people have multiple policies through different superannuation funds, making them eligible for more than one claim.

02

Submitting Your Claim

We manage the entire claim process, including gathering medical evidence and completing paperwork. Our goal is to get your claim approved as quickly as possible—often without a fight from the insurer. But if the insurer rejects your claim, we’ll advocate for a review or take further legal action.

03

No Win, No Fee Guarantee

We offer our ‘No Win, No Fee’ promise for all TPD claims, so you won’t need to worry about upfront legal costs. We only charge if your claim is successful, giving you peace of mind throughout the process.
[Read more about our Costs Promise]

04

Securing Your Entitlements

We take pride in helping clients receive the benefits they deserve. Our team’s dedication has changed the lives of countless clients who needed TPD payments to secure their future. Let us work hard to get the compensation you’re entitled to.

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Our TPD Lawyers Are Here to Support You Through Your Claim

Disability Claims

If a disability has made it impossible for you to continue working, our experienced superannuation lawyers can help you understand your entitlements to a TPD payout. 


Critical Illness

Serious or life-threatening illnesses, such as cancer or multiple sclerosis, can disrupt your ability to work. A TPD claim could provide the financial relief you need during this challenging time. 


Physical Injury

Permanent physical injuries that prevent you from doing the work you're qualified for may entitle you to a TPD insurance claim, helping you find financial security. 


Mental Illness

Mental health conditions like PTSD, depression, or anxiety can hinder your ability to work. You may be entitled to a TPD payout to help support your financial wellbeing.

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FAQS

Some Frequently Asked Questions Surrounding TPD and Superannuation Claims

What am I entitled to through a TPD claim?

A TPD claim can result in a lump sum payment designed to provide financial support if you’re permanently unable to work due to illness or injury. The payout can help cover medical expenses, daily living costs, mortgage payments, and more. It’s important to check all your superannuation accounts as you may be covered under multiple policies.

What if my injury or illness didn’t happen at work?

You don’t need to have been injured at work to make a TPD claim. Whether your condition resulted from an accident, illness, or mental health issue, you may still be eligible for a payout. As long as you’re unable to perform the work you’re qualified for, you could make a successful claim, regardless of where or how your injury occurred.

How do I know if I’m eligible for a TPD claim?

To qualify for a TPD claim, you must be unable to work in your usual occupation—or any other job that your training, education, or experience qualifies you for—due to a permanent illness or injury. Every policy has specific criteria, but we’ll review your case and guide you through the eligibility requirements for each policy you’re covered by.

How long will it take to receive my TPD payment?

The timeline for a TPD claim varies depending on the complexity of your case and how quickly your insurer processes the claim. On average, claims can take 3 to 12 months to be finalised. However, we’ll manage your case to ensure everything is filed correctly and work to resolve any delays with the insurer as quickly as possible.

What if my TPD claim is denied?

It’s not uncommon for insurers to initially deny TPD claims, but that doesn’t mean it’s the end of the road. If your claim is denied, we can help you challenge the decision by reviewing the reasons for denial, gathering additional evidence, and advocating for your case through negotiation or court action, if necessary.

Will I need to go to court to get my TPD claim approved?

Most TPD claims are resolved without the need for court involvement. However, if your case becomes more complex or if the insurer refuses to pay, we may recommend taking your claim to court. Rest assured, we’ll guide you through the entire process and only pursue legal action if it’s in your best interest.

Can I claim from multiple superannuation funds if I have more than one?

Yes, if you have TPD cover through more than one superannuation account, you may be able to claim from multiple funds. Each claim will need to meet the relevant policy criteria, but we’ll help you identify all eligible policies to ensure you receive the maximum financial support available.

Can I make a TPD claim if I’ve already received other forms of compensation?

Yes, in many cases, you can make a TPD claim even if you’ve received other types of compensation, such as Workers' Compensation or motor accident compensation. Each type of claim is treated separately, so we can help you pursue all eligible forms of compensation to ensure you receive the financial support you’re entitled to.

What if I’m unsure whether I have TPD cover?

Many people are unaware that they have TPD cover through their superannuation funds. We can help you review your superannuation accounts and insurance policies to determine if you have TPD cover, even if you’re unsure about your entitlements.

What evidence do I need to support my TPD claim?

To make a successful TPD claim, you’ll need medical reports confirming your condition, along with any documentation related to your work history, education, and qualifications. We’ll assist you in gathering all the necessary evidence and submitting a strong claim on your behalf.

<div><br></div>“I would like to thank all the staff for their care in the handling of my case, as at times I felt fragile in health but with the ongoing care and help I managed to navigate my way through <b>always knowing that help was always on hand</b>. Thank you again.”


“I would like to thank all the staff for their care in the handling of my case, as at times I felt fragile in health but with the ongoing care and help I managed to navigate my way through always knowing that help was always on hand. Thank you again.”

- Denise

TPD Client

WHY CHOOSE SCHOFIELD KING LAWYERS?

During some of your toughest times, you don't want to be dealing with a lawyer who is slow, only cares about fees, or speaks in legal language no one else can understand. 

Our Team at Schofield King Lawyers We Win Over 99% of Our Cases

Our dedication to winning ensures that our clients benefit from our relentless pursuit of justice.

Our Team at Schofield King Lawyers Direct Access to Senior Lawyers

You receive support from experienced lawyers who are committed to your case, not just paralegals.

Our Team at Schofield King Lawyers Clear Communication

We respond quickly and won't leave you in the dark. Nor will we overwhelm you with legal speak and jargon.

Our Team at Schofield King Lawyers Servicing Regional NSW

We provide accessible, top-tier legal advice both in and out of major cities.

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Contact Schofield King Lawyers today to get the support and compensation you deserve.

Schedule a free consultation with a senior lawyer, or contact any of our offices directly and we will be happy to assist you. 

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