Understand the TPD claim process, eligibility, timelines, and how to avoid common setbacks.

Navigating a TPD claim while managing an illness or injury can feel like taking on a second job. At Gordon Legal, we’re here to guide you through the fine print and the frustrating waiting periods. Whether you’re just beginning to consider a claim or need support strengthening your application, here’s what you need to know to protect your rights and get the outcome you deserve.

The TPD claim process typically involves the following steps:

• Contacting your superannuation fund or insurer to notify them of your intention to claim.
• Completing the necessary claim forms and disclosure documents.
• Providing detailed medical evidence from your treating doctors.
• Having your claim assessed by the insurer (this may include independent medical reviews).

Engaging a lawyer early can help you avoid common errors, missed deadlines, or insurer pushback.

The TPD claim process can take anywhere from three to twelve months depending on the complexity of your case.

• Straightforward claims with clear evidence may be resolved in 6 months.
• Complex cases or incomplete documentation can extend the timeline.
• Delays are often caused by missing medical reports or insurers requesting additional assessments.

If your claim is dragging on, it’s important to request updates and get legal advice to hold your insurer accountable.

To support your TPD claim, you will need:

• Medical reports from your GP and specialists
• Statements from your employer (where relevant)
• Your superannuation fund’s claim forms
• Personal statement describing your condition and its impact on your ability to work
• Supporting documents such as hospital records, psychological assessments, and allied health reports

Having consistent and thorough evidence strengthens your case and reduces the risk of rejection.

While there are generally no strict legal time limits, each insurance policy may have its own deadlines. These can include:

• A requirement to notify your fund within a certain period of ceasing work due to disability
• Delays that may impact your ability to obtain evidence or preserve your legal rights

The sooner you lodge a claim, the better. Delays can make it harder to prove the link between your condition and your inability to work.

Possibly, but it depends on the definition of disability in your policy:

• If your TPD cover is for “Own Occupation”, working in another job may not affect your claim.
• If your cover is for “Any Occupation”, being employed in any role might disqualify you.

Always get legal advice before taking up work during a TPD claim assessment.

To improve your chances of success:

• Provide detailed medical evidence from multiple sources.
• Include a personal statement outlining your functional limitations.
• Have a lawyer review your policy and draft your application.
• Keep records of all communications with your insurer and medical team.

A well-prepared application reduces the risk of rejection and long delays.

Most TPD policies have an age cut-off, typically between 60 and 70 years old. Beyond that age:

• You may not be eligible to claim even if you’re unable to work.
• Some policies reduce the benefit amount as you approach retirement age.

Check your policy documents carefully or speak to a legal expert to clarify your entitlements.

Lodging a TPD claim is a big step, especially when you’re already dealing with your health. At Gordon Legal, we understand the challenges and we’re ready to stand with you. From preparing your claim to fighting for what you’re owed, our lawyers bring experience, compassion and tenacity.

Reach out to Gordon Legal today and speak with a TPD claim expert who will fight for your future.