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Total and Permanent Disability (TPD) Insurance Claims

TPD insurance benefits are usually paid as a lump sum where the claimant suffers an injury that permanently prevents them from working in their normal job or any other work for which they are suited to by way of education, training or experience. Most Australian workers are covered for TPD insurance through their super fund. So, if you have suffered an illness or injury that prevents you from performing your normal work duties, you might be eligible to make a TPD claim.
You may also have TPD insurance cover through a life insurance policy provided by:
Where TPD claims get complicated is around the exclusion or eligibility clauses in the fine print of a TPD policy. AMK Lawyers have extensive experience helping our clients understand the fine print in their insurance policies. We will work tirelessly to ensure you get every dollar and benefit that you’re entitled to. So, get the process rolling and contact us about your TPD claim today. We’re here to help.

Frequently Asked Questions

Got a question? Get your answer.

There are many uncertainties in life. You can be unexpectedly diagnosed of a debilitating or terminal illness or be involved in an accident at work, on the road, or in public places. As a result, you may not be able to go back to work and potentially lose capacity to earn.

If you are a worker, you may have a Total & Permanent Disablement (TPD) insurance benefit in your superannuation.

A TPD insurance cover can pay you lump sum or instalment payments provided you who have an active superannuation.

If you become totally and permanently disabled due to an illness or injury and as a result unable to return to your usual duties of occupation which you are suited by education, training , and experience, you may be eligible to claim a TPD benefit, an insurance cover attached in your superannuation.

It is important to note though that the illness or injury does not have to be work-related and that fault is not a factor in assessing your eligibility for a TPD claim.

Firstly, you can check with your superannuation fund if you have a TPD cover and how much your benefit is. Alternatively, you can check through your superannuation fund online portal if you have access to one. The latter is the quicker way to know.
You may be able to lodge multiple TPD claims for the same injury or illness that cause you your total and permanent disablement. However, there may be exceptions to this as some insurance policies prevent you from having multiple claims.

This depends on your insurance policy. We can help you understand your policy, especially the exclusion and eligibility clauses.
Generally, the following medical conditions disabling you to continue working may be approved for a TPD claim:

  • Cancer
  • Heart conditions
  • Dementia
  • Other chronic illness
  • Cerebro-vascular accident (stroke)
  • Psychiatric injuries
  • Serious brain and spinal injuries
  • Catastrophic injuries because of motor vehicle or work accidents.
Insurance companies have different eligibility requirements. Generally, you must cease work for at least three months and permanently and totally incapacitated before you are able to lodge your TPD claim.

Generally, there is no time limit in lodging a TPD claim. You may be able to lodge a claim even when you have ceased work for a long time. You may still be able to lodge a TPD claim even when your superannuation fund is no longer active if you became incapacitated at the time when your superannuation fund is still active.

However, some insurance policies require you to lodge your claim before you reach your retirement age.

Benefits of getting your TPD claim

When your TPD insurance claim is approved, you may be able to access your superannuation early. Generally, you have four options:

  1. Have your TPD insurance and all your superannuation fund paid into your nominated bank account;
  2. Have your TPD insurance and a part of your superannuation fund paid into your nominated bank account access the rest of your superannuation on or before retirement age;
  3. Have your TPD insurance paid into your nominated bank account and access your superannuation fund later or at retirement age; or
  4. Have your TPD insurance deposited into your superannuation fund and access your TPD insurance payment and superannuation fund later or at retirement age.

We are here to help!

The claim process can be overwhelming. We, at AMK Lawyers, are happy to do the work for you and you can focus on your treatment and other important things in your life.

To know more information or ask any questions, please do not hesitate to contact us.

Disclaimer: This information is designed for general information in relation to Queensland compensation law and does not constitute legal advice. We strongly recommend you seek legal advice in regard to your specific situation. For help understanding your rights, please call 07 3136 3287 or 0431 374 476 to talk to one of our lawyers today.