What’s the difference between a TPD super claim and workers’ compensation?
If you’ve suffered an illness or injury that prevents you from working, you may be eligible to pursue either a TPD super claim or a workers’ compensation claim — or sometimes both. Understanding the difference is key to accessing the right financial support.
A TPD super claim is made through your superannuation fund and provides a lump sum TPD insurance payout if you meet the TPD claim eligibility criteria — typically that you are currently off work due to injury or illness, and are unlikely to return to any work suited to your education, training, or experience. You don’t need to prove the injury happened at work. The TPD super claim process involves policy interpretation, medical evidence, and legal assessment, so engaging a TPD superannuation lawyer is highly recommended. By contrast, workers’ compensation applies specifically to workplace injuries, offering various entitlements such as weekly payments, medical expenses and lump sum compensation.
Here is a comprehensive breakdown of the differences between a Workers Compensation claim and a TPD claim:
| Feature | TPD Super Claim | Workers’ Compensation Claim |
| Where to claim | Through your superannuation fund’s TPD insurance. | Through WorkSafe |
| Cause of condition | Any cause (not limited to work) | Must be work-related |
| Eligibility | Must be off work and have an inability to return to pre injury/illness role. | Temporary or permanent work incapacity. |
| Type of payment | Lump sum payout | Primarily weekly/fortnightly payments, and coverage for medical expenses. |
At Gordon Legal, we provide expert legal assistance for both workers’ compensation and TPD claims. Our team is experienced in navigating both complex legal processes, ensuring you get the compensation you deserve. Whether you need help understanding TPD claim eligibility or assistance with a workers’ TPD claim, our TPD superannuation lawyers are here to guide you through every step. Contact us today on (03) 9603 3000 for professional and compassionate support.
Do I need a lawyer for my TPD claim?
If you’re considering a TPD super claim, you may wonder whether you need a lawyer to guide you through the process. While it’s possible to lodge a claim on your own, having a super claim lawyer or TPD superannuation lawyer can significantly increase your chances of success and help you navigate the complex TPD super claim process.
Here are some reasons to consider when engaging a TPD superannuation lawyer at Gordon Legal:
- We review your policy and entitlements: Our TPD lawyers will carefully assess your superannuation policy to determine your TPD claim eligibility and entitlements.
- We advise you on eligibility and claim strategy: This allows us to provide tailored legal advice to strengthen your claim, helping you understand the requirements for a TPD claim and how to navigate the process effectively.
- We handle all paperwork, make legal and policy submissions on your behalf, deal with requests for information, and negotiations: Gordon Legal’s team of TPD superannuation lawyers will manage the complex TPD super claim process, dealing directly with insurers on your behalf and ensuring you don’t miss any critical steps or get taken advantage of by ruthless insurers.
- We maximize your compensation payout: Our dedicated team work tirelessly to ensure you receive the full amount you’re entitled to.
- We ensure you meet key deadlines: Our team of superannuation claim lawyers will ensure you adhere to TPD claim time limits, reducing the risk of delays or claim rejection.
For expert assistance with your TPD super claim Australia, contact Gordon Legal today on (03) 9603 3000. We’re here to guide you through every step.
How can I improve my chances of getting my TPD claim approved?
To improve your chances of getting your TPD claim approved, it’s essential to approach the process strategically and with expert legal support. Here’s how you can give yourself the best shot at success:
- Understand your policy: Every superannuation fund has different definitions and requirements for a TPD super claim. A TPD lawyer can assist you in reviewing your policy helps clarify TPD claim eligibility and the specific evidence needed.
- Obtain strong medical evidence: Clear medical reports from treating doctors or other experts that support your inability to return to work are crucial to any TPD insurance payout.
- Avoid delays and meet deadlines: Be aware of TPD claim time limits and act quickly. Gordon Legal’s team of TPD lawyers will ensure you are aware of any deadlines, increasing the likelihood of access to TPD benefits.
- Seek expert legal advice: The most important step you can take in improving your chances of success. A super claim lawyer can manage the entire process, ensure no paperwork is missed, and deal directly with insurers to help you claim TPD benefits successfully.
At Gordon Legal, our experienced TPD superannuation lawyers are here to help you navigate every step. Contact us on (03) 9603 3000 for tailored advice and support.
What happens if I don’t have TPD insurance in my super?
It is extremely common to be unsure whether your superannuation has TPD insurance, making the claims process even more overwhelming and challenging. If you don’t have TPD insurance in your super, you may not be able to access a TPD super claim if you become permanently unable to work due to illness or injury.
This can have a serious impact on your financial stability, especially if you are relying on a TPD insurance payout to help with medical costs, rehabilitation, or daily living expenses. However, all hope is not lost.
Some super funds may have provided default TPD cover that you weren’t aware of. At Gordon Legal, we regularly assist clients who are unsure about their TPD claim eligibility by reviewing their policy and checking for any existing entitlements.
If it turns out you genuinely don’t have TPD cover, we can explore other legal options available, such as workers’ compensation or income protection. Call Gordon Legal on (03) 9603 3000 for expert advice tailored to your situation.
How Gordon Legal can help
At Gordon Legal, we specialise in TPD and Life Insurance / Death Benefit claims. If you or a loved one has experienced delays in receiving a death benefit, or if you are unsure of your entitlements, our experienced team is here to help. We can provide you with expert legal advice and guide you through the claims process, ensuring that your case is handled with the urgency and care it deserves.
Our no-win/no-fee approach means that you can seek our assistance without worrying about upfront costs, allowing you to focus on what matters most – that is, supporting your family during difficult times.
If you have questions about your death benefit claim or need assistance with any aspect of your TPD or life insurance matter, please contact us at Gordon Legal. We are committed to ensuring that you receive the financial support you deserve.
Loredana Trimboli (Senior Associate)
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.