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Total and Permanent Disability (TPD) Claims

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Most Australians have TPD insurance automatically included in their Superannuation. This insurance pays a lump sum benefit if an injury, illness, or mental health condition stops you from working in the job you’re qualified for.

This is cover you’ve paid into throughout your working life, designed to provide financial security when you need it most.

Whether you are dealing with a workplace injury, a chronic illness, or the mental toll of trauma, our team is here to ensure you have access to the full payout you are entitled to.

What conditions qualify for a TPD payout?

You do not need a specific diagnosis to claim. If any medical condition prevents you permanently from working in your trade or profession, you are likely covered. We successfully manage claims for:

Physical & Workplace Injuries

• Back, neck, and spinal injuries
• Shoulder, knee, and joint reconstructions
• Repetitive strain and complex nerve pain
• Workplace accidents and falls

Mental Health

• Post-Traumatic Stress Disorder (PTSD)
• Major depression and severe anxiety
• Burnout and stress-related conditions
• Bipolar and other mood disorders

Chronic Illness

• Fibromyalgia and Chronic Fatigue Syndrome
• Heart conditions and stroke
• Neurological conditions (e.g., MS, Parkinson’s)
• Cancer and terminal illness

How we help you get the most out of your TPD claim

Winning a TPD payout is about more than just filling out a form. It’s about knowing where to look for extra cover and how to answer the insurer’s questions. We’re here to handle the strategy so you get the full amount you are entitled to.

1. We find hidden or lost insurance policies

You might have TPD cover in old super accounts you’ve forgotten about. We track down your entire work history to find every active policy. It is often possible to claim payouts from multiple insurers for the same injury to maximise your total settlement.

2. We build decision-ready evidence

Insurers look for any gap in your medical history to delay your payment. We work directly with your doctors to gather the specific evidence needed to meet the legal definition of “Permanent Disability” before we submit. This cuts through the red tape and speeds up the result.

3. We fight unfair “Suitable Work” rejections

A common insurer tactic is to claim that even if you can’t do your old job, you could do a different, “easier” job. We challenge these assessments by proving how your injury, age, and skills make those roles unrealistic for you.

4. We protect your weekly income

We ensure your TPD claim acts as a “top-up,” not a replacement. Our team structures your payout to ensure, in most cases, it does not negatively impact your ongoing Workers’ Compensation payments or Centrelink entitlements.

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