If you’ve been left unable to work due to illness or injury, you might be wondering if there’s anything more you can do to get support. The good news is: there often is.
At Gordon Legal, we help people across Australia make successful TPD claims through their superannuation insurance—even when they didn’t know they were covered.
Whether you’ve just started looking into your options, or you’ve already hit roadblocks with your fund or insurer, we’re here to help you understand the process and fight for what’s rightfully yours.
What Is TPD Insurance—and Are You Covered?
TPD insurance (Total and Permanent Disability) is a benefit included in many superannuation funds. It’s designed to provide financial support if you can no longer work due to a serious illness, injury, or disability.
Not every super fund includes TPD insurance, and not every policy is the same—so how do you know if you’re eligible?
We can help you:
- Review your superannuation policy and check for coverage
- Understand your fund’s definition of total and permanent disability (TPD)
- Explain what documents or medical evidence you need
- Start the superannuation disability claim process
It’s worth checking—even if you’re no longer working, or unsure if your condition qualifies. A quick conversation with our team could uncover a pathway to financial relief.
Can You Claim TPD for a Pre-existing Condition?
Yes, in some cases you can. But it depends on the wording in your policy and when your superannuation cover began.
Some TPD policies have exclusions for pre-existing conditions, but others don’t—or they might only apply within a certain timeframe (called a ‘pre-existing exclusion period’).
We regularly help clients assess whether their TPD claim in Australia is still viable, even if their illness or injury didn’t start recently. If your claim’s already been rejected for this reason, it may still be worth challenging the decision. That’s where we come in.
Is There a Waiting Period Before You Can Lodge a TPD Claim?
Yes—most TPD insurance policies include a waiting period, usually between three to six months. This means you need to be off work due to your injury or illness for a continuous period before your TPD claim can be assessed.
This doesn’t mean you can’t prepare in the meantime. We often help clients:
- Collect supporting medical evidence early
- Lodge preliminary paperwork with their super fund
- Prepare legal and policy submissions
- Understand the timelines in their policy
- Plan for next steps in the TPD claim process
Getting the timing right can make all the difference. We’ll guide you through it so you don’t miss a step—or a deadline.
What Can You Expect from a TPD Claim Payout?
The amount you can receive from a TPD claim payout depends on your specific superannuation policy. We’ve helped clients access anywhere from tens of thousands to hundreds of thousands of dollars—sometimes even more.
Your payout may depend on:
- Your level of super TPD insurance cover
- Whether your fund pays a lump sum or income stream
- How your injury or illness impacts your capacity to work
- The terms under which your claim is accepted
While we can’t promise a fixed number, we can help you get clarity—and make sure you’re not leaving anything on the table.
Do You Need a Lawyer to Help with a TPD Claim?
The TPD claim process can be complex, frustrating, and full of fine print.
Having an experienced TPD claim lawyer on your side means you won’t have to:
- Spend hours deciphering insurance jargon
- Worry about missing crucial paperwork
- Fall through the cracks or be taken advantage of by ruthless insurers
- Go up against insurers on your own if your claim is delayed or denied
- Settle for less than what you’re owed
We know the system inside out. If you want to feel confident, supported, and heard—you’ll be in good hands with us.
And remember: we work on a no win, no fee basis for these claims. So there’s no upfront cost, and no financial risk in getting the legal advice for your TPD claim.
Why Choose Gordon Legal?
We know you’ve got options when it comes to legal support—but here’s what makes us different:
- We listen. We know that behind every TPD claim is a story of pain, change, and resilience. We don’t take that lightly.
- We’re clear. You won’t get vague answers or legalese from us. Just real talk and honest advice.
- We’re thorough. We’ve helped thousands of Australians navigate complex claims—and win.
- We’re fierce when it counts. We don’t back down when a claim gets tough. We push through until we get the outcome you deserve.
If your life has been turned upside down by illness or injury, and you can’t return to work, don’t let the red tape of a disability superannuation claim stop you from moving forward.
We’ll handle the legal legwork. You focus on healing.
No Win, No Fee TDP Claim Lawyers
Financial concerns should not deter you from seeking justice. Gordon Legal operates on a no win, no fee basis, meaning you only pay legal fees if we successfully secure compensation for you. This approach underscores our commitment to accessible legal representation for all.
You don’t have to face this alone
At Gordon Legal, we offer more than legal advice—we offer solidarity. If you’re wondering how to claim TDP compensation, reach out.
Our lawyers are here to listen without judgment, fight with purpose, and support you at every step.
Contact us today for a free, confidential consultation. Simply fill out our online form, and one of our TPD claim lawyers will be in touch to discuss your case or give us a call on 1300 59 95 17.
No win, no fee
Help when you need it most without the added stress of upfront legal fees engaging a
no win, no fee lawyer.
When you need legal help, understandably, the first thing people often think is ‘can I
afford it?’ To address this, our Senior Partner, Peter Gordon and Partner, Paul Henderson pioneered the ‘no win, no fee’ system to create greater access to the legal system.