TPD Claim – Total and Permanent Disability Lawyers
Unable to work due to illness or injury? Make a TPD claim with PK Simpson, your trusted TPD lawyer in Sydney and across Australia.
Expert TPD Lawyers for Your Superannuation and TPD Claims
At PK Simpson, our highly experienced TPD lawyers are experts in creating successful TPD claims. From understanding your superannuation policy and Centrelink benefits to ensuring you make a TPD claim within the time limits, our TPD lawyers can guide you through the entire TPD claim process.
What You Need for a Successful TPD Claim
You can claim superannuation and insurance disability payments and death benefits if:
- You were working and suffered an injury or illness that has prevented you from working for 6 consecutive months;
- A person you are dependent on (like your partner or parent) dies, and you wish to claim death benefits from their superannuation fund or private insurer.
Following a death or disability in your family, superannuation and disability insurance benefits may help ease your financial burden. TPD insurance lawyers at PK Simpson will ensure you receive the maximum lump sum payout under your benefit.
What kind of compensation can I expect?
Pain and suffering
Future Economic Loss
Wages Lost
the PK Simpson Difference for Your TPD Claim
You’re in safe hands with PK Simpson.
As your dedicated TPD lawyers, we help you receive the TPD compensation you deserve.
Common Causes and Injuries
Total & Permanent Disability (TPD) claims often arise from workplace incidents involving heavy machinery, repetitive tasks, and crushing accidents. These injuries, including TPD claims for back injuries, can severely impact your ability to work.
Our TPD Lawyers Cover All Medical Report Costs
PK Simpson TPD lawyers ensure our clients receive the best possible outcome by covering the costs of necessary specialist reports. We prioritise thorough documentation to build strong TPD claims.
TPD Claim No Win No Fee with Our TPD Lawyers
No matter how your injury occurred, consult our TPD lawyers. Your well-being is our priority throughout the TPD claim process.
Superannuation and TPD specialists
Our friendly TPD lawyers will ensure every fund you’ve been a member of is examined. You might have more than one TPD claim
Word of Mouth Recommendations for Our TPD Lawyers
Sixty seven percent of our new clients are referred through word-of-mouth – a testament to the success and satisfaction of our clients. Let our TPD lawyers help you too.
Australia-Wide TPD Lawyers
No matter your location, our TPD lawyers can assist with your Total & Permanent Disability claim. We support clients across Australia.
Superannuation / TPD (Total Permanent Disability)
A large majority of super funds have lump sum disability and death benefits. Many people are not aware that they can claim TPD insurance in the case of a partial and/or total permanent impairment or injury, ie. that you are unable to work due to any injury or illness. We help Australians, nationwide, claim their TPD benefit.
The general definition that entitles you to a superannuation lump sum benefit is “that you are partially and/or totally permanently disabled and unfit for your old job or any other suitable job that relates to your education training and experience”.
If you are no longer able to work and no longer able to perform all duties of your usual occupation full time, you can claim a lump sum benefit for your total permanent disability in addition to workers compensation or weekly or monthly superannuation payments being paid to you already. For more information or help regarding superannuation payments contact PK Simpson today.
Don’t Make a TPD Insurance Claim Alone
Contact PK Simpson, TPD lawyers, to support you through the TPD claim process. With expertise in superannuation TPD claims, TPD claims for back injuries, TPD mental health claims, and more, we are your trusted TPD lawyers in Sydney, Perth, and Australia-wide.
New South Wales
Queensland
Western Australia
South Australia
Northern Territory
Australian Capital Territory
Tasmania
Superannuation Total & Permanent Disability Insurance
Superannuation Funds in Australia
PK Simpson can help un-complicate this process for you and ensure that you get the best result possible.
We can help to:
- AIA
- AMG Super
- AMP
- ANZ
- Aon Master Trust
- Australian Catholic Superannuation and Retirement Fund
- Australia Post
- Australian Super
- Australian Ethical Super
- AustSafe Super
- AV Super
- Bendigo Bank Superannuation
- BHP Billiton
- BT Superannuation (part of the Westpac Group)
- BUSSQ Superannuation (Building, construction and civil industries)
- Care Super
- Catholic Super
- CBUS Superannuation(Construction and Building Unions Superannuation)
- Child Care Super
- Christian Super
- ClearView Super
- Club Plus Super
- Colonial First State Super
- Comminsure
- Commonwealth Bank
- Crescent Wealth
- Cruelty Free Super
- EIS Super
- Emergency Services & State Super (ESS)
- Emplus
- Energy Industries Super Scheme
- Energy Super
- Equip Superannuation
- Equity Trustee Superannuation
- First Super
- First State Super
- Government Employees Superannuation Board
- Grow Super
- Guild Super
- Hesta Super
- Hostplus Super
- Hub24 Super
- IAG & NRMA Superannuation Plan
- ING
- InTrust Super
- IOOF Investment Management/Super (Independent Order of Odd Fellows)
- LUCRF (Labour Union Co-operative Retirement Fund)
- Industry Super Funds
- Kinetic Super
- Kogan Super
- Legal Super
- LESF (Law Employees Superannuation Fund)
- LGIA Super
- Local Government Super
- LUCRF
- MAP (Medical and Associated Professions Super Fund)
- Maritime Super
- Max Super
- Meat Industry Employees’ Super
- Media Super
- Mercer Australia Super
- Military Super
- Mine Super
- MLC (Owned by National Australia Bank – NAB)
- MTAA (Motor Trades Association of Australia Superannuation Fund)
- MyLife MySuper
- Nationwide Super
- NESS Super
- Netwealth Super
- NGS Super
- Onepath Super
- Perpetual Super
- Plum Super
- Prime Super
- PSS Super (Public Sector Superannuation Scheme)
- QIEC Super
- Qsuper
- REI Super
- Rest Super
- Russel Investments Super
- Smartsave
- Spaceship
- Squirrel Super
- Stateplus Super
- Statewide Super
- Suncorp
- Sunsuper
- Super SA (South Australia)
- Super Safeguard
- Superestate
- Tasplan
- TAL
- Telstra Super
- Tidswell Super
- TWU Super
- Unisuper
- VicSuper
- Virgin Money Super
- Vision Super
- WA Super
- Westpac Super
- Qantas Super
- QSuper Insurers
- Onepath
- Zuper
- Zurish
- TAL Life Ltd Pty
- Nulis Nominees
- Metlife
- Hannover Life
[show]
[hide]
We are Australia’s Superannuation Total & Permanent Disability
(TPD) Claims Experts
The general definition for total and permanent disability cover is the following:
“A member ceases to be gainfully employed due to injury or illness for a period of 3 or 6 months and after satisfying the fund that the member is unable to return to their usual occupation or any employment for which they are educated, trained or experienced.”
Each insurer has their own definition for total and permanent disability (TPD) and within that will define certain words further restricting and tightening the definition. Policies will also set out various definitions of TPD which apply to its members depending on your type of cover.
Lost Super Fund Search
There is over 4 billion dollars of unclaimed super in Australia. Much of this money is sitting in holding accounts managed by the government. How does this affect your TPD? If your superfund account was active at the time you stopped work you could still be covered even if the account is closed. We can make enquiries with the ATO to discover all the superannuation funds you have been a member of.
Our clients often have more than one superfund which owes them money. Your superfunds won’t tell you to make a Total and Permanent Disability (TPD) claim and many Australians have no idea Total and Permanent Disability insurance even exists, so if you have stopped work due to an injury or illness, contact us to start your superannuation TPD claim.
Preservation Age and gaining access to your Super
Once you have reached your preservation age and you have permanently retired, your superfund will release your account balance. The preservation age varies with funds. It can range from 55 to 65 years old. If you have reached your preservation age, your TPD benefit and account balance will not be taxed when released to you.
If you are under your preservation age when claiming your total and permanent disability benefit a certain lump sum portion will be taxed and portion will be tax-free. The amount you will be taxed can only be calculated by the superfund at the end of a claim.
It’s important to remember that a Total and Permanent Disability (TPD) benefit is a separate insurance claim which sits separate to your account balance. On approval of your claim, you will have access to your account balance as well as your TPD Insured benefit which is a lump sum amount.
Can I Make Multiple TPD Claims?
Unlike other jurisdictions, it is possible to make a TPD claim with multiple superannuation funds with which you have active accounts. Every superfund has a their own unique requirements to satisfy paying out a TPD claim. The dates of insurance commencing, the date of your last day worked, whether or not you had previous injuries or illnesses all come into consideration when preparing a TPD claim.
Permanent Incapacity Claim vs TPD Claim
Some people do not hold TPD cover within their super policy. You can still gain access to your account balance by way of a permanent incapacity claim. Special medical reports are still required. Superannuation funds will still assess these claims seriously as these are financial funds they use for investment opportunities.
I Only Have $20,000 in TPD Insurance. Is It Still Worth Claiming?
Contact us to find out how you can claim smaller amounts of TPD. Depending on your type of injury and whether you have a workers compensation claim, third party car accident claim, occupiers liability claim or medical negligence claim with us, we’ll be able to assess your situation and give you guidance.
Psychological injuries resulting in TPD claims
Psychological injuries are best diagnosed by a psychiatrist. Usually your GP and a psychologist will assess you prior to being referred to a psychiatrist. They will also have a clinical history noting your depression and anxiety and other mental disorders. If your GP doesn’t doesn’t raise the issue, it’s best to raise it with your GP yourself. In Australia, a Mental Health Care Plan allows you to have 10 free visits to a psychologist. Your GP provides a referral for this.
It’s very important to have the right medical evidence to support your TPD claim. PK Simpson also has access to specialist doctors who can add further support to the medical evidence already compiled.
Psychological Disorders where we have had successful TPD claims include:
- Major Depression / Severe Depression
- Anxiety
- Post Traumatic Stress Syndrome (PTSD)
- Paranoia
- Schizophrenia
- Bi-Polar
- Mood Disorders
- Personality Disorders
- Substance Abuse Disorders (Alcohol Addiction, Drug Addiction)
- Panic Disorders (Panic attacks)
Often, these disorders come in combinations. Many people who have suffered injuries in traumatic accidents or life debilitating injuries will then manifest various types of mental disorders. A good TPD lawyer will be able to identify the signs and symptoms of mental disorders and recommend you attend a specialist to have the condition diagnosed and documented so that the evidence can support your TPD claim.
Experienced TPD Insurance Lawyers for Mental Health Claims
Our TPD lawyers have successfully handled TPD claims for mental health conditions like depression, anxiety, PTSD, and others. We can recommend specialists to help diagnose and document your condition for a strong TPD claim.
Don’t Make a TPD Insurance Claim Alone
Contact PK Simpson, TPD lawyers, to support you through the TPD claim process. With expertise in superannuation TPD claims, TPD claims for back injuries, TPD mental health claims, and more, we are your trusted TPD lawyers in Sydney, Perth, and Australia-wide.
Contact Us Today If You’re Unable to Work
Frequently Asked Questions
If you haven’t been able to work in your usual job for three to six months due to an injury or illness, you are likely to be classed as TPD.
Each superfund has their own TPD definition and this must be satisfied for the TPD claim to be approved. Common factors which are assessed in each claim are the members work history (education, training and experience), suitable jobs, and medical evidence.
Your TPD entitlements are set out in the contract (a.k.a. policy, or product disclosure document) you have with your insurer. Therefore, the definition of TPD will vary between policies and insurers.
Yes, you can have multiple TPD claims providing your insurance policies or super funds are independent of each other. Bear in mind that, unlike other personal injury claims, when you make a TPD claim, you do not have to prove that the illness or injury was work-related or caused by somebody else.
A successful TPD claim can never be 100 per cent guaranteed, but you are much more likely to win your claim if you contact a TPD specialist lawyer at PK Simpson to discuss your situation. There is a minimum level of evidence required to support your claim, which must be provided to your insurer and your super fund. This includes your claim form, a signed authority, certified ID, and two medical reports from your treating doctors showing that you can never return to work. These will need to be reviewed by a lawyer to ensure all the correct boxes are ticked, and that the evidence strongly supports your claim for TPD.
Often, terms and conditions specific to your policy need to be analysed in order to make sure the fund cannot decline your claim.
Superannuation funds will often require specialist reports. Superfunds do not pay for treatment throughout the claims process. However, PK Simpson pay for all medical reports needed to support your claim.
Yes, you can. People are now becoming more aware of depression and other mental illnesses, and while there’s a way to go before the stigma is lifted, we’re talking about it more often. Around one in four Australians suffer from a mental illness each year. However, insurers are wary of mental illness disability claims, and it can be quite hard to get cover. But what many people fail to recognise is that the automatic TPD insurance you have through your superannuation fund can pay out much-needed benefits and funds if you cannot work due to depression or any other mental illness.
Mental illness can often be a lingering side effect of a physical injury, even after full physical recovery.
Most claims are paid out and finalised within three to six months, but it all depends on how complicated the claim is, and how much good evidence you have about your injuries. There is also the matter of whether you fulfil all the criteria set by your insurer. This is why it’s crucial to have a specialist TPD team on your side when you make a claim for TPD for any reason.
As lawyers we will make sure your claim is assessed by the superfund in a timely manner. Delay tactics are deployed by funds to prolong and frustrate TPD claimants who are not legally represented.
Yes, you can. If you’re diagnosed with a serious cancer that has an impact on your ability to work, you may not realise you are entitled to claim insurance benefits through the insurance provided through your superannuation. These benefits may include income protection if your disablement is temporary, and TPD if your condition is long-term and serious. If your condition is terminal, you will be eligible for a terminal illness payment.
For over 35 years, PK Simpson has successfully helped thousands of Australians claim their TPD and income protection benefits. Whether you’re unable to work due to injury, illness, or psychological conditions, our expert TPD lawyers will ensure you receive the maximum compensation you deserve.
Core TPD Information
Types of TPD Claims
TPD Claims by Location
Don’t Wait to Claim What’s Rightfully Yours
Contact PK Simpson today for a free consultation about your TPD claim. Our no win, no fee guarantee means you have nothing to lose and everything to gain. Call us now or fill out our online form to get started.