I need a TPD — Total Permanent Disability Claim
I have been injured, or taken ill, which prevents me from working
Access legal assistance for TPD claims in Australia to rebuild your life after an injury or illness
Suffering from an illness or injury that prevents you from working? You may be entitled to financial relief through a Total and Permanent Disability claim. Whether caused by chronic illness, mental health conditions, or serious physical trauma, a superannuation TPD insurance payout can provide the financial security needed to manage medical expenses, household bills, and long-term recovery. Do not delay acting on your rights and best interests. Our TPD claims lawyers can help when your injury or illness is unrelated to your role.
Navigating the TPD claims process and eligibility criteria can be difficult to manage alone, particularly when already facing the financial, emotional and physical strain of permanent incapacity. Don’t face this journey without proper representation — trust Brydens Lawyers for expert, compassionate guidance. Having successfully acted in TPD claims Australia-wide for over 50 years, our dedicated team specialise in fighting for the maximum entitlements you deserve. From managing legal complexities and liaising with insurers to preparing complex documentation on your behalf, we will do all the work so you can focus on recovery.
Whether you are unsure if you are eligible and do not know where to start, or are facing challenges with your super fund’s insurer, Brydens Lawyers’ No-Win, No-Fee* policy offers you the chance and expertise to recover benefits to which you are entitled. Book a free consultation* today and regain your independence when you have been injured or taken ill, and unable to work. (*Conditions apply)
Make A ClaimI have been injured
Death Claims
After a family member's passing, death benefits claims offer financial support to the beneficiaries.
Income Protection Claims
Income protection policies provide a safety net for those unable to work due to injury or illness.
Non-work related (Illness or Disease)
You are entitled to make a disability claim if you are unable to work regardless of the cause.
Partial Disablement Claims
Partial disability benefits support those who can't perform their occupation due to injury or illness.
Retail Policy Claims
The distinction between retail and superannuation-based TPD insurance is crucial for policyholders.
Total Permanent Disability (TPD) Claims
TPD insurance provides for those unable to work again due to injury or illness, via lump sum benefits.
Early Release of Superannuation for Permanent Incapacity Claims
Apply for early release of your superannuation funds on the grounds of permanent incapacity.
Ready to make a claim?
TPD superannuation claims we can assist with
Life-altering events such as a critical injury or illness impact more than you know. It can have devastating effects on your entire household. This time can be even worse when facing potential coverage exclusions and eligibility clauses from your super fund TPD claim. Allow our expert lawyers to make this transition easier by reviewing your insurance policy and successfully bring a claim for you to recover the benefits to which you are entitled.
There is no definitive list of eligibility criteria — you may be entitled to make a claim for any severe condition that makes you unable to work. Brydens Lawyers has helped our clients secure a TPD insurance payout for some of the following conditions, even when they are unrelated to their job:
Physical injuries and illnesses | Mental conditions |
|---|---|
Oncological Sensory and mobility loss Neurological and cognitive Musculoskeletal and orthopaedic Autoimmune and systemic | Depression Anxiety Post-Traumatic Stress Disorder (PTSD) Schizophrenia and other psychotic disorders Obsessive-Compulsive Disorder (OCD) Bipolar disorder |
If you have received a terminal illness diagnosis, you might also be eligible to receive early access to your superannuation insurance policy’s death benefit.
Find clarity with our dedicated TPD claim lawyers
At Brydens Lawyers, we bring over 50 years of proven expertise to all matters of personal injury law, achieving successful outcomes for our clients across Sydney, regional New South Wales, and Canberra. From negotiating contracts to gathering evidentiary material and handling negotiations and proceedings, our experienced team will work hard to advocate for your well-being and ensure you can secure the full support you are rightfully owed.
No-Win, No-Fee* Lawyers | Free* Legal Advice |
|---|---|
Your financial position should not get in the way of protecting your rights. That is why Brydens Lawyers operates on a No-Win, No-Fee* basis. That means you will not be charged fees if your claim is unsuccessful. It is our way of ensuring that everyone has access to strong legal support without risk. (*Conditions apply). | Get the opportunity to have your voice heard at our offices, legal centres or via a virtual meeting. Brydens Lawyers offers free* sessions, enabling you to ask your most important questions and understand what steps to take to make a claim. (*Conditions apply). |
Start a Total and Permanent Disability claim today
You do not have to face this life-altering journey alone. If injury or illness has left you unable to return to work, we can help you take control of your future. At Brydens Lawyers, our experienced team provides clarity and legal expertise to pursue your full entitlements through your TPD superannuation claim.
With a proven record of successfully acting in TPD claims Australia-wide, we work hard to handle every legal complexity on your behalf and ensure you have access to all sources of financial support during difficult times. Do not delay, book your consultation today online or call us at 1800 848 848 to claim the financial security you deserve.
Contact UsMeet the team that specialise in
TPD and Superannuation
Blogs & News
Ready to make a claim? Get started with Brydens Lawyers today!
We're here to assist you in claiming the compensation you deserve on a No Win, No Fee* basis. Enquire now to start your claim today. *Conditions apply.
Frequently Asked Questions
What is a TPD claim?
A Total and Permanent Disability (TPD) claim is a claim for a lump sum insurance benefit through your superannuation, specifically if you are unable to work due to illness or injury. It helps provide financial support when returning to your previous job or any suitable work is no longer possible.
What qualifies for a TPD payout?
To be eligible for an insurance payout, you generally need to meet the following TPD claim requirements in Australia: • Incapacity to work: Your injury or illness renders you incapable of returning to your previous job or any role suited to your education, training, or experience. • Medical evidence: You have medical reports and other formally recognised supporting material illustrating the impact and extent of your injury and/or illness that permanently prevents future employment. • Super fund or insurer terms: You need to hold an active insurance policy to claim TPD benefits through super or a standalone policy. Your medical condition and personal circumstances must also meet the definitions specified under your coverage. Some superannuation insurers will also consider your age and the stability of your employment history when validating your claim. • Waiting period: You have stopped working for a required minimum period (e.g., 3–6 months) as defined in the policy. • Continued treatment: You are undergoing appropriate medical care or rehabilitation for your condition. It is important to review the terms set in your policy of insurance, as all insurers have different TPD eligibility criteria.
Can I start the TPD claim process with any super fund?
You can only make a TPD claim in Australia with your superannuation provider when you hold active coverage. Not all super funds offer TPD insurance by default, so you must check your fund’s policy to confirm eligibility. If you have not consolidated your superannuation or consistently used the same fund across all roles you have employed, you could have several active plans. You may be entitled to make TPD claims with multiple super funds, provided your injury and/or illness meets their conditions. You would also need to lodge a separate application for each active plan.
Are there time limits for lodging TPD claims in Australia?
There are no strict timeframes for lodging a TPD superannuation claim, but delays can affect the outcome. However, it is important to review your policy as some super funds and insurers may impose their own deadlines.
How long does it take to settle a TPD claim?
Superannuation disability claims generally take between 6 and 12 months to process, depending on the complexity of your injury, the responsiveness of your super fund, and the scope of the supporting documentation you have submitted.
How much money can I claim from a TPD insurance payout?
It depends on your coverage and how many active policies of insurance you are party to. To ensure you receive the highest level of support, it is essential to [contact Brydens Lawyers](https://www.brydens.com.au/make-a-claim/) for legal assistance with your TPD claims. Our team will comprehensively review your needs, lifestyle and the impact of your injury to ensure you can claim everything you are entitled to.