Wondering what a TPD claim is and if you’re entitled to one?

Life can change in an instant. An accident, a sudden illness, or a chronic condition can leave you unable to work, turning your world upside down. If you find yourself in this situation, you may be eligible to make a Total and Permanent Disability (TPD) claim in Australia. But what does this mean, and how can you navigate the complex disability claim process to get the financial support you need?

Gordon Legal’s Superannuation and TPD lawyers are here to walk you through everything you need to know about how to make a TPD claim in Australia. Call our office on 03 9603 3000 for further information today.

TPD Claims Process and Requirements:

A Total and Permanent Disability (TPD) claim is a claim for a lump sum payout from your superannuation fund when an injury or illness prevents you from returning to work in your trained occupation or any job suited to your experience and education. This financial relief can help cover medical costs, rehabilitation, and day-to-day expenses while you adjust to your new reality.

Gordon Legal’s dedicated personal injury team have incorporated a guideline below of what to do if you wish to lodge a TPD claim. We understand this process can be overwhelming, and ensuring you have the best lawyer for your TPD claim can significantly increase your chances of success.

The steps of the claims process are as follows:

• Check Your Eligibility: You must be unable to work in any occupation suited to your skills and experience.
• Gather Medical Evidence: Comprehensive reports from specialists and doctors confirming your condition’s severity.
• Submit Your Claim: Lodge your claim with your superannuation fund, including all supporting documents.
• Await Assessment: Your claim will be reviewed, and you may be required to provide further evidence.
• Receive a Decision: If approved, you will receive your TPD payout in Australia. If denied, legal action may be necessary.

If you are wondering how long does a TPD claim take?—the answer varies. It can take several months to over a year, depending on your case’s complexity.

Get in touch with our expert lawyers today for further information our call our office on 03 9603 3000.

Can a pre-existing condition affect my TPD claim?

A pre-existing condition can affect your TPD claim, however in some instances it depends on your insurance policy. Some funds exclude pre-existing conditions, while others consider whether your condition worsened after you joined the fund. It is best to speak to a personal injury lawyer in Australia who can help assess your eligibility.

For more information about the TPD claims process, contact Gordon Legal on 03 9603 3000 or submit an enquiry online here.

What happens if I have a partial disability in a TPD claim?

Making a TPD claim in Australia involves several critical steps. Understanding the TPD claim process and requirements in Australia can mean the difference between a successful claim and unnecessary delays or denials.

In most cases, TPD claim eligibility criteria requires you to be fully unable to work. However, some policies offer partial benefits if you can work in a limited capacity but not at your previous level of employment.

To navigate what your options are if you have a partial disability, Gordon Legal’s TPD lawyers can help assess your eligibility and assess your options at no cost or no obligation. For more information about our No Win No Fee structure visit our website here.

To determine your eligibility, call our office today on 03 9603 3000 to get in touch with our Superannuation and TPD team.

Do I have to be permanently disabled to make a TPD claim?

TPD payouts in Australia require that your disability is permanent and prevents you from working in any suitable role. However, ‘permanent’ can be ambiguous and so it is crucial to receive legal help for TPD claims.

This will be highly beneficial as expert TPD lawyers can help you:

• Review your policy and entitlements
• Advise you on eligibility and claim strategy
• Handle all paperwork, requests for information and negotiations.
• Maximise your compensation payout.

Contact our team today on 03 9603 3000 or submit an enquiry online to receive the payout you may be entitled to.

What medical evidence is required for a TPD claim?

Medical evidence plays a crucial role in the TPD claim process. You will need:

• Reports from treating specialists and general practitioners
• Diagnostic tests (MRI, CT scans, blood tests, etc.)
• A functional capacity evaluation (if required by your super fund)
• Psychological assessments (for mental health-related claims)

To ensure that you have all the necessary evidence required, it is best to seek help from a TPD lawyer who can assist you with obtaining all the evidence. For assistance with this step of the TPD process, or for further information on how to apply for a permanent disability claim, call Gordon Legal on 03 9603 3000.  Our expert TPD lawyers are here to guide you through this process, so that you can focus on your health.

Can I receive both a TPD payout and workers’ compensation?

In some cases, you can receive both. TPD payouts in Australia do not usually affect workers’ compensation entitlements, however you should seek legal advice to understand how your benefits may interact.

Call Gordon Legal’s Superannuation and TPD team today on 03 9603 3000 or enquire online for assistance. Our dedicated team are happy to assist you on a No Win No Fee basis.