TPD & SUPERANNUATION CLAIMS
Need to Claim on Your Superannuation or TPD?
How to make a claim
Making a Total and Permanent Disability (TPD) or superannuation insurance claim can be complex, especially when you’re already dealing with a serious injury or illness. At accident legal, we simplify the process so you can focus on your health while we handle the legal details. Here’s how it works:
01
You Call the Experts
Contact our experienced TPD and superannuation lawyers. Even if you’re unsure whether you have cover or what your policy says, we can help clarify your situation. With your permission, we’ll even contact your super fund to confirm your entitlements.
02
You Get a Free Assessment
We’ll review your superannuation policy, medical history, and employment background to assess your eligibility—completely free of charge. Our team will explain your options in plain English and advise you on the best course of action, including navigating any waiting periods or time limits.
03
Get Maximum Compensation
If you’re eligible, we’ll prepare and lodge your claim and negotiate with your super fund or insurer to secure the full benefits you’re entitled to. Whether it’s a lump sum for TPD or ongoing income protection, we’ll fight to ensure you receive everything your policy provides—on a No Win, No Fee basis.
TPD & Superannuation Claims Lawyers
If you’ve suffered injury, illness or medical condition and can no longer do the work you could, then in addition to any other claim for compensation you may be entitled to a Total and Permanent Disability (TPD) insurance benefit through your Superannuation.
For those who are very seriously injured, or who were not working at the time of disability, other definitions of TPD may also be used. For example, a definition based on not being able to perform personal care activities such as feeding, walking, dressing and showering.
Any TPD benefit payment due to you can be used to fund current and future medical costs, clear your debts and provide you with an income to help restore your quality of life as far as possible.
Get started now with our Free Claim Check.
Unsure About Your TPD Cover? We’ll Check It for Free
Many Australians aren’t aware that they may already have Total and Permanent Disability (TPD) insurance included in their superannuation. It’s more common than you think—and you may be entitled to significant benefits without even realising it.
To find out if you’re covered, you can review your Superannuation Statement or simply send it to us. If you don’t have a recent statement or aren’t sure how to access one, we can help. With your permission, our legal team can contact your super fund directly, request the necessary documents, and go through them with you to determine your entitlements.
Understanding your TPD coverage is the first step toward accessing the financial support you may desperately need—and we make that step easy.
Can I make a claim?
Most likely, yes. Most Super policies have default cover within the policy. The value and validity of your TPD claim, will of course depend on your specific policy, as decided by the insurer or super fund in question. Whilst the policy criteria varies between super sunds from some common requirements for making a TPD claim include:
- Your super fund – checking what level of cover is provided in your superannuation policy.
- Waiting periods – most policies will require a waiting period to allow injuries and symptoms to stabilise. This is a juggling act as there can be time limits for bringing a claim. Contact us and we can help guide you on the best course of action.
- Your injury or level of disability – it’s likely you will have to show you are suffering a minimum level of disability. This often considers your ability to return to your previous role, or to work at all.
- Your employment history – some policies require a minimum level of employment before you become eligible to claim a TPD payout. This is something our experts can check and advise you on.
Frequently
Asked
Questions
What if I'm at fault?
Under your superannuation policy, it doesn’t matter if you are at fault. All that matters is that you meet the relevant definitions. These policies are often difficult to read and understand. We have TPD and superannuation legal experts that can obtain your policy and provide you advice about your entitlements for free, subject to our no-win-no-fee guarantee.
What can I claim?
Most policies contain cover for:
- Income protection: payment of your pre-accident income if you can’t work because of your injury, illness or disability. There is often a 30, 60, or 90 day waiting period before you can claim, meaning that you must not have worked for 30, 60, 90 days since you sustained your injury or disability or became ill.
- Total and Permanent Disablement: payment of a significant lump sum if you are unlikely to ever work again because of your injury, illness or disability.
To find out what you can claim, contact us to speak to one of our expert superannuation and TPD legal experts.
But I don't remember taking out a policy. Can I still claim?
Most likely, yes. If you were employed at the time of your accident or when you became ill, the fund that your employer paid your compulsory superannuation will have default cover for you under your policy.
These policies are often difficult to read and understand. We have TPD and superannuation legal experts that can obtain your policy and provide you advice about your entitlements for free, subject to our no-win-no-fee guarantee.
Are there time limits in bringing a claim?
Strict time limits can apply when lodging a TPD or superannuation insurance claim. These limits vary depending on your individual policy and fund, and they’re not always clearly stated. In some cases, you may have only a limited window after you stop working or after your condition stabilises to lodge your claim.
Missing a deadline can mean losing your right to claim entirely. That’s why it’s vital to get legal advice as early as possible—even if you’re unsure about your eligibility. At accident legal, we’ll review your situation promptly and let you know whether you’re still within time to lodge a valid claim.
How long will my claim take?
Your claim can take anywhere up to 3 months and 3 years. This is because on some occasions we can have your insurer pay to you benefits a short time after we lodge your claim. On other occasions the insurer will refuse to pay you benefits and we will need to fight for you to force them to pay, which may include commencing court proceedings.
Do I need to pay a fee?
At accident legal, we believe everyone deserves access to justice—regardless of their financial circumstances. That’s why we offer a No Win, No Fee arrangement for TPD and superannuation claims. This means you don’t pay us anything upfront.
You’ll only pay legal fees if we successfully win your case and secure compensation on your behalf. There are no hidden costs, and your initial consultation is completely free. We’ll explain all costs clearly from the beginning, so you can move forward with confidence—knowing we’re in your corner, fighting for the outcome you deserve.
Have Questions? Reach Out To Our Team!
If you’ve been injured in an accident and need trusted legal advice, we’re here to help. We offer free, no-obligation consultations — and you won’t pay us a cent unless you win your case.
