What is a TPD claim and how can it benefit you?
If you’ve suffered an illness or injury that prevents you from working for the foreseeable future, you may be eligible for compensation available through Total and Permanent Disability (TPD) insurance. Many Australians aren’t aware they have TPD insurance, yet it can provide life-changing financial support in circumstances where you may be unable to work again.
What is a TPD claim?
TPD insurance is a type of benefit that can be accessed if you become permanently unable to work due to an illness or injury.
For most hardworking Australians, TPD insurance is covered through your superannuation fund/s. That means you may already have TPD cover without knowing a great deal about it. TPD insurance can also be obtained through private insurance providers and brokers. Each insurance provider will have its own definitions, and eligibility criteria, that you must satisfy in order to make a successful claim.
Who can make a TPD claim?
You may be eligible for a TPD payment if:
- You have TPD insurance.
- You have been out of work for at least 3 months because of an illness or injury.
- You are regularly consulting a medical practitioner for your illness or injury.
- You are unlikely to ever return to work in an occupation that you are reasonably suited to, based on your training, education, or experience.
It’s important to check the specific terms and conditions of your insurance policy. Some policies have broader definitions, which may make it easier to satisfy the necessary criteria.
What are the benefits of a TPD claim?
A successful TPD claim will provide you with a lump sum payment. This payment can be used for:
- Covering daily living expenses.
- Paying off debts like mortgages or credit cards.
- Funding medical treatments.
- Ensuring long-term financial stability for you and your family.
Why is making a TPD claim so important?
Living with an illness or injury that has rendered you unable to work is overwhelming, especially in circumstances where you might have dependants, and/or other financial responsibilities. A TPD claim is not just about money, it is about regaining some sense of personal freedom and security.
The funds you receive following a successful TPD claim can give you peace of mind when you’re no longer capable of working and earning an income. Our clients tell us that a successful TPD claim also reduces the pressure on family members who may be supporting you, both emotionally and financially.
Many people delay, or never even make a claim, because they don’t know their rights and entitlements, or they assume it will be too hard. But with the right legal support, the process can be more straightforward than you think.
Common challenges and how we help
Insurers, and super funds, often reject or delay claims due to procedural technicalities or lack of evidence. You may be asked to provide medical reports, employment history, statements, or attend independent assessments.
That’s where legal advice becomes crucial. At The Law Office of Conrad Curry, we:
- Conduct a thorough review of your policy, its definitions, and eligibility criteria.
- Manage the administrative burden of paperwork and gathering medical evidence.
- Deal directly with insurers and superannuation funds.
- Prepare internal and external reviews, should they become necessary.
Our goal is to make the process as simple and stress-free as possible, so that you can focus on your health, your family, and your future.
If you’re facing a situation where you can’t return to work because of a debilitating illness or condition, don’t wait to explore your options. You could well be entitled to a TPD payout which provides vital financial security and support.
If you, or a loved one, is unable to work due to an injury or illness, we would be pleased to meet with you to discuss your options on a no-win, no-fee basis. Please contact our friendly team on (02) 4050 0330 to make an appointment with one of our specialist personal injury solicitors.
DISCLAIMER
This article reflects the current law at the time of publication. It is intended for informational purposes only and does not constitute legal advice. The actual decisions in each case are summarised for general understanding. For specific legal guidance in relation to your situation, please consult with a qualified legal professional.
