TPD Insurance Claims Simplified: Insights From Leading Lawyers

If you’ve suffered an illness or injury that has left you unable to work, you may be entitled to a Total and Permanent Disability (TPD) insurance payout through your superannuation fund. But what exactly is a TPD claim? And how do you know if you’re eligible?

We asked the team at Law Works Compensation Lawyers — trusted TPD insurance lawyers based in Sydney — to break it all down.

What is a TPD claim?

A TPD claim is an insurance benefit that pays out a lump sum if you are unable to ever return to work due to injury or illness. It’s commonly accessed through your superannuation fund, though some people may have additional standalone or group policies.

How do I know if I qualify for TPD?

Each insurance policy defines TPD differently, but most require that:

• You’re unlikely to return to work in your usual occupation or any occupation you’re suited for based on your education, training, or experience
• Your condition is permanent and medically supported
• You meet any specific waiting periods, work history, or fund membership requirements

I haven’t worked for years. Can I still claim?

Potentially, yes. Many people don’t realise they can make a TPD claim even if they stopped working months or even years ago. The key is whether you met the policy’s eligibility criteria at the time you stopped work. A skilled TPD insurance lawyer can review your history and policy to determine this.

How long does the TPD claim process take?

A typical TPD claim can take 3 to 12 months, depending on the complexity of your case and how responsive the super fund and insurer are. Delays can occur if:

• Medical evidence is incomplete
• The insurer requests further information
• The definition of TPD is disputed

At Law Works, we manage the process from start to finish to avoid unnecessary delays and ensure your rights are protected.

Do I need a lawyer to make a TPD claim?

Practically, we say yes. It helps a lot. TPD claims often involve dense paperwork, strict definitions, and insurers who are quick to decline on technical grounds. Experienced TPD insurance lawyers can:

• Review your policy and confirm eligibility
• Assist with medical and supporting evidence
• Draft detailed submissions to support your claim
• Challenge unfair decisions or delays

What if my TPD claim has already been rejected?

You may still have options. TPD rejections can often be overturned through:

• An internal appeal to the super fund
• A complaint to the Australian Financial Complaints Authority (AFCA)
• Legal proceedings if necessary

Our team has successfully overturned many unfair TPD rejections and recovered lump sum payouts for clients who had lost hope. Call us today.

How much does it cost to get legal help?

At Law Works Compensation Lawyers, we act on a no win, no fee basis. You don’t pay anything unless your claim succeeds — and we cap our professional fees. We also offer a free initial consultation so you can understand your rights and options with no pressure.

Why choose Law Works Compensation Lawyers?

We are a boutique Sydney law firm that specialises in personal injury and superannuation claims. We:

• Have deep experience with TPD insurance claims through all major funds
• Work closely with medical professionals to strengthen your claim
• Handle communication with insurers and super funds on your behalf
• Keep our clients informed and supported every step of the way

Get Help With Your TPD Claim Today

If you can’t return to work due to injury or illness, don’t leave your TPD entitlements unclaimed. Speak to Law Works Compensation Lawyers today to get clear advice from experienced TPD insurance lawyers.

Contact Law Works Compensation Lawyers

Phone: 1800 955 605
Website: www.lwcompensation.com.au
Email: info@lwcompensation.com.au