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02 4050 0330

    • Medical Negligence
          • Medical Negligence

            We believe you deserve the best in medical care and we understand the trauma experienced when that care is less than adequate. That’s why we hold medical professionals accountable when medical care and treatment fall short of expected standards and result in adverse outcomes.

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    • Women’s Health
          • Women’s Health

            We know that there is disparity in women’s health care, treatment, and support. We are committed to improving the lives of women and strongly advocating for their wellbeing.  That is why we take a stand and hold medical professionals accountable when medical care falls short of expected standards by delivering the best outcome in medical negligence claims affecting women.

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    • Hospital Negligence
          • Hospital Negligence

            We understand you may feel let down because you have experienced inadequate or negligent care and treatment in a hospital or medical facility. Your wellbeing is most important to us and we are committed to supporting you with compassion and holding medical professionals accountable for breach of duty and negligent care.

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    • Clinical Support
          • Clinical Support

            Experiencing poor or adverse outcomes from allied health treatment can be distressing and life changing. We are here to support you through your claim and it is our aim to hold allied health professionals accountable for their breach of care by delivering the outcome you deserve to your negligence claims.

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    • I need help
          • Not Sure where to start?

            Hello, I’m Jade. I’m here to help you with a quick discovery call that will help us better understand your legal concerns. This way, I can connect you with the lawyer who is best suited to assist you with your situation.

            Your well-being is important to us, and we’re here to support you every step of the way.

            Call me on 02 4050 0330 or email admin@conradcurrylaw.com.au

    • Personal Injury
          • Personal Injury

            If you have been injured because of someone else’s negligence, our specialist team of Personal Injury Lawyers is here to support you with compassion and understanding providing you with the right advice. Our team has substantial experience and expertise in these matters to deliver the outcomes you deserve from your claim.

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    • Work Injury
    • Motor Vehicle Accidents
          • Motor Vehicle Accidents

            We are here to support you and give you the clarity, guidance and the right legal advice if you have been injured in a motor vehicle accident. Our compassionate team of professionals in Personal Injury law have the technical expertise and a wealth of experience to win you the compensation you deserve.

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    • Public Place Liability
          • Public Liability

            Our specialist team in Personal Injury law is here to support you in accessing proper compensation if you have been injured because of someone else’s negligence. We have cutting edge expertise and experience in public liability claims to deliver the outcome you deserve.

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    • Abuse
          • Institutional Abuse

            We strongly believe that educational institutions must be held accountable when failing to protect children while in their care. If you have experienced institutional physical or sexual abuse, our specialist team in Personal Injury law is here to support you with compassion and offer our technical expertise and experience to deliver the best outcome in your case.

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    • Workers Compensation
          • Workers Compensation

            When you sustain an injury or illness because of work, you may be entitled to  compensation. Our specialist team in Personal Injury Law is here to support you with compassion and understanding with the right advice. We have substantial technical expertise to deliver the best possible outcome from your claim.

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    • I Need Help
          • Not Sure where to start?

            Hello, I’m Jade. I’m here to help you with a quick discovery call that will help us better understand your legal concerns. This way, I can connect you with the lawyer who is best suited to assist you with your situation.

            Your well-being is important to us, and we’re here to support you every step of the way.

            Call me on 02 4050 0330 or email admin@conradcurrylaw.com.au

    • Wills & Estate Planning
          • Wills and Estates

            When we provide advice on estate planning, we believe  in giving advice on options to mitigate the risks of litigation by potentially unhappy family members and protecting your assets from claims. Our legal team is here to support you and address your concerns regarding your estate planning. We have immense experience in these matters, providing you with advice and representation for your unique situation and delivering the best outcomes for your case.

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    • Powers of Attorney
    • Contest A Will
          • Contest A Will

            We have immense experience and specialised knowledge in family provision and wills disputes Where you have not been properly and adequately provided for under a will or where you suspect that the person making the will may not have had capacity or exercised their own free will, you need a lawyer with extensive experience and expertise. Our team of Lawyers will  provide you with advice and representation for your unique situation and deliver the best outcomes for your case.

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    • Probate & Deceased Estates
    • Enduring Guardian
    • Family Provision
    • I Need Help
          • Not Sure where to start?

            Hello, I’m Jade. I’m here to help you with a quick discovery call that will help us better understand your legal concerns. This way, I can connect you with the lawyer who is best suited to assist you with your situation.

            Your well-being is important to us, and we’re here to support you every step of the way.

            Call me on 02 4050 0330 or email admin@conradcurrylaw.com.au

    • Other Services Overview
          • Conrad Curry Can assist you with a variety of services

            Our solicitors are highly experienced in providing you with expert legal advice and will keep you informed every step of the way. It’s good to know that our firm is trusted and effective with a high success rate.

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    • Professional Negligence
          • Professional Negligence

            We rely on professionals in all aspects of our lives to provide us with proper advice on which to make decisions about our financial and legal affairs. When you are let down by poor advice the results can be devastating.  We are here to support you in your claim for compensation with clarity, guidance and the right advice to achieve the outcome you deserve.

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    • Malicious Prosecution
          • Malicious Prosecution

            We believe in standing up for those people who are falsely accused and prosecuted. Our experienced legal team is here to support you with compassion and provide you with clarity, guidance, and the right advice in your claim for compensation.

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    • General Litigation
    • I Need Help
          • Not Sure where to start?

            Hello, I’m Jade. I’m here to help you with a quick discovery call that will help us better understand your legal concerns. This way, I can connect you with the lawyer who is best suited to assist you with your situation.

            Your well-being is important to us, and we’re here to support you every step of the way.

            Call me on 02 4050 0330 or email admin@conradcurrylaw.com.au

    • What to Expect
          • What to expect

            We are your law firm for life. You can count on us for the best legal advice and compassionate support. We understand the challenges you are facing and we want you to know that you don’t have to navigate the often daunting process alone. We are here when you need us. Let us help you find your way forward with our empathetic and efficient approach. Contact us. You can call us on (02) 4050 0330 for a free initial no-obligation consultation or book an appointment online for an in-person consultation or an online video appointment.

  • No Win/No Fee Options

What is Total and Permanent Disability (TPD) and am I eligible for?

TPD is an abbreviation of “Total and Permanent Disability”. Most superannuation funds provide insurance coverage for TPD. It can also be purchased as a standalone policy. 

TPD insurance provides financial protection to people who become “totally and permanently disabled” and are unable to ever work again, in their usual occupation, because of their injuries and disabilities. 

The eligibility criteria for TPD insurance will vary depending on the specific policy wording and superannuation fund. However, there are some general principles to consider when considering your eligibility:

  1. Policy Terms: Ensure that you carefully read the terms and conditions of your TPD insurance policy. This can typically be found on your superannuation fund’s website, or, you can call them and request a copy. Your policy will outline the specific criteria, wording, and definitions used by your insurer to determine whether you qualify for a TPD benefit.  You may also qualify to claim under more than one policy so it’s important to understand all your options. If you have more than one superannuation fund, your may have TPD cover across all of those funds.
  2. Total and Permanent Disability: To be eligible for TPD insurance, you typically need to demonstrate that you have suffered a total and permanent disability. This means that you are unable to ever work again in any suitable occupation for which you are reasonably suited by education, training, or experience.
  3. Medical Evidence: Regardless of your superannuation fund, you will need to provide medical evidence to support your claim. This can include reports and assessments from medical professionals outlining the nature and severity of your disability. Australian superannuation law requires that, in order to be the recipient of a superannuation disability benefit, you must obtain two attending doctor’s statements.
  4. Waiting / Qualifying Period: There may be a waiting period before you can make a TPD claim. This waiting period can vary by policy and insurer, so check your policy document for details.
  5. Occupational Requirements: Some TPD policies may have specific occupational requirements or exclusions. Make sure to understand these conditions before applying.
  6. Notification Deadline: Be aware of any notification deadlines for making a TPD claim. Failing to notify your insurer within the required time frame could affect your eligibility.

It is important to contact your insurance provider or review your policy documentation for specific information on your TPD coverage. Keep in mind that TPD insurance is a complex area, and eligibility can be influenced by numerous factors and the specific terms of your policy. 

Using a lawyer for your Total and Permanent Disability (TPD) claim will offer several advantages:

  1. Legal Expertise: Lawyers specializing in TPD claims have a deep understanding of insurance law, policies, and the claims process. They can guide you through the complexities of the legal system and insurance industry, ensuring your claim is handled properly.
  2. Maximizing Your Claim: A lawyer can help gather necessary evidence, present your case effectively, and advocate for your best interests. They work to ensure you have a strong claim by including all relevant documentation and presenting the impact of your disability accurately.
  3. Navigating Challenges: If your claim is disputed, denied, or becomes complicated, a lawyer can assist in handling appeals , and even representing you in court if necessary.
  4. Reducing Stress: Dealing with a TPD claim can be emotionally and mentally challenging. Having a lawyer manage the legal aspects can alleviate stress, allowing you to focus on your health well-being, and recovery.
  5. Enhanced likelihood of Success: Lawyers bring their expertise and experience to the table, increasing the likelihood of a successful outcome for your TPD claim.

Before engaging a lawyer, it is essential to consider their experience in handling TPD claims and their reputation in the field of insurance law. Seeking a lawyer with a proven track record in TPD claims can significantly benefit your case.  Reach out to us online or by phoning (02) 4050 0330.

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