The Most Common TPD Claims in Australia: How to Win Yours

Navigating a TPD claim in Australia can feel daunting, especially when you’re already dealing with life-changing circumstances. But you’re not alone. Whether you’re unsure about the TPD claim process, need clarity around pre-existing conditions, or don’t know what documents to gather, this guide is here to help. With the right legal advice and support, you can access the insurance payout you’re entitled to, and start rebuilding with dignity and hope.

What types of TPD claims are there?

There are several types of total permanent disability claims, and the right one for you depends on your insurance coverage and employment arrangements. The most common include:

• Superannuation-based TPD claims: Many Australians have TPD insurance attached to their super fund. If you’re unable to return to work, you may be entitled to a lump-sum payout.
• Employer-sponsored policies: Some workplaces offer separate group TPD insurance for employees.
• Individually purchased TPD insurance: These policies are bought privately and often offer broader coverage.
• Workers compensation claims: If your disability stems from a workplace accident or condition, you may also be eligible for workers insurance claims or workers compensation.

Talking to a TPD compensation lawyer can help clarify what you’re entitled to based on your individual situation.

How much time do I have to make a TPD claim in Australia?

There’s no one-size-fits-all deadline for TPD claims, but don’t delay. Here’s why:

• Insurance policies typically have their own time limits, and these vary between super funds and private insurers.
• Superannuation funds may allow longer timeframes but still advise you to act quickly.
• If your claim also involves a workers compensation claim, there are strict statutory deadlines that can affect your rights.
• The earlier you start, the stronger your claim, memories fade, documents get lost, and opportunities can pass you by.

Need help understanding your time limits? Our TPD legal advice can get you started on the front foot.

What’s the process for applying for a TPD claim?

Making a total permanent disability claim is about more than just filling in a form. It’s a structured process that involves evidence, persistence, and often, a fight.

Here’s a simplified breakdown of the TPD claim process:

1. Contact your superannuation fund or insurer to investigate your TPD eligibility and if appropriate, request the claim forms.
2. Gather supporting documents, including medical reports, employment records, and proof of disability.
3. Submit your application with clear evidence of your inability to return to your regular work.
4. The insurer or trustee reviews your claim and may request further information or assessments.
5. You’ll be notified of the outcome, either approval, denial, or request for more information.

It’s not uncommon for valid claims to be delayed or rejected. That’s where a skilled insurance claim lawyer steps in to challenge decisions and demand fair treatment.

Can I claim TPD if I have pre-existing conditions?

Yes, but it’s complicated. Having a pre-existing condition doesn’t automatically disqualify you from a TPD claim, but it can make the process more difficult. Insurers will look closely at:

• Whether your disability is related to your pre-existing condition.
• What was disclosed when you took out the policy.
• Whether the pre-existing condition was excluded in the fine print.

This is one of the biggest reasons people seek legal assistance for TPD claims. We’re experienced in challenging insurers’ definitions of “pre-existing” and ensuring your condition is assessed fairly.

What documents do I need for my TPD claim?

The strength of your TPD claim rests on solid documentation. The more thorough your evidence, the better your chances of success.

You’ll typically need:

• Medical reports from specialists confirming your condition and inability to work
• Employment history, including role description and duties
• Proof of income and superannuation policy details
• Insurance forms and declarations
• Statements from treating doctors and sometimes a second opinion
• In more complex cases, additional reports or legal submissions may be necessary. We take care of gathering and presenting all necessary documentation so that nothing is missed and your case is as strong as it can be.

Take the First Step Toward the Support You Deserve

You’ve worked hard, and when life changes suddenly due to injury or illness, you deserve support that reflects your contributions and your humanity. At Gordon Legal, we provide fierce, informed, and compassionate representation for Australians navigating TPD claims. We know the fight it takes to get results, and we don’t back down.

Whether you need help with a TPD claim process, disability insurance claims, or advice on what to do after a TPD injury, we’re here for you.

Contact our team of personal injury lawyers in Australia today for a free consultation. You don’t need to face this battle alone.

No Win, No Fee TPD 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 TPD 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.