Superannuation and TPD Claims Lawyers

You may be eligible to claim superannuation insurance benefits if:

• You have an injury or illness (physical, psychological, terminal, or chronic) that prevents you from working.
• You were a member of a superannuation fund at the time you stopped working.
• You had insurance with a superannuation fund or private insurer when you stopped work.

TPD does not require that your injury or illness is work-related. You may be eligible for a TPD insurance payout if you have suffered from conditions such as:

• Serious injuries (e.g., car accidents, workplace injuries, sports injuries)
• Chronic illnesses (e.g., cancer, heart disease, degenerative conditions, neurological disorders)
• Mental health conditions (e.g., depression, PTSD, anxiety disorders, schizophrenia)

You may still qualify even if:

• You’ve withdrawn your superannuation balance after stopping work.
• You’ve closed your superannuation account after stopping work.
• Your WorkCover or TAC claim has been rejected.

Important: You do not need a WorkCover or TAC claim to make a TPD claim.

Our specialist TPD lawyers will assess your eligibility and help ensure you receive your full entitlement.

While it’s best to lodge your Total and Permanent Disability (TPD) claim as soon as possible, you may still be eligible to claim long after your injury or illness first occurred.

However, if you need to challenge a rejected claim, strict time limits apply. Failing to act within these deadlines could prevent you from receiving your rightful compensation, so it is crucial that you seek legal advice as soon as possible

In our experience, Insurers tend to take advantage of unrepresented claimants or will use delaying tactics throughout the claims process to minimise or reject payouts. To protect your rights and maximise your entitlements, we strongly recommend speaking to an experienced TPD lawyer – ideally before lodging your claim – to ensure a smooth process and avoid common insurer pitfalls.

Contact us today for expert guidance on your TPD claim and appeal options.

Yes, you may be able to make multiple TPD claims if you had multiple insurance policies in place when you stopped working due to your disability. However, some policies contain clauses that limit or deny payouts if you’ve already claimed a TPD benefit from another insurer.

Our expert TPD lawyers are highly skilled at overcoming these restrictions, ensuring you receive the maximum compensation available. Seeking legal advice before making multiple TPD claims is essential to avoid common insurer roadblocks.

Superannuation funds are required to process and decide on TPD claims within 6 to 12 months from the time they receive all necessary claim documentation. The exact timeframe depends on the complexity of your claim and whether additional medical or financial information is required.

At Gordon Legal, our experienced TPD lawyers work to expedite the claims process, ensuring your benefits are paid as early as possible.

If you have multiple super accounts or have lost track of your superannuation insurance, we can assist by conducting a lost super search with the Australian Taxation Office (ATO). If you are eligible for any superannuation disability insurance claims, we will handle the process for you.