TPD Claims

Total and Permanent Disability (TPD) insurance provides a lump sum payment if you become totally and permanently disabled and are unable to work again. Most Australians have TPD cover through their superannuation fund, often without realizing it.

Yes, there is typically a time limit for filing a TPD claim, which is often set by your superannuation fund or insurer. In NSW, you generally have six years to make a claim from the date of your injury or the date when your condition was diagnosed as permanent. However, specific time limits can vary depending on your policy and insurer.

The amount of compensation you can receive from a TPD claim varies widely depending on the specifics of your policy and the severity of your condition. Factors such as your level of disability, your ability to return to work and terms of your insurance policy all influence payouts. Our team will work with you to maximise your payout based on the details of your claim.

No, you do not have to withdraw all of your superannuation after a TPD claim. The TPD payout is separate from your superannuation balance and is intended to provide financial relief due to your inability to work. Your TPD payout may be deposited into your superannuation fund or paid directly to you, depending on the terms of your insurance policy.

TPD coverage generally applies to conditions that prevent you from working such as severe physical injuries, debilitating mental health issues and other medical conditions that leave you unable to perform work in your usual occupation. The specific conditions covered depends on your insurance policy and our team can help determine whether your condition is covered.

If your claim is rejected, you have the right to dispute the decision. We can help you lodge an internal review, escalate to external dispute resolution, or pursue court action if necessary.