According to ASIC, more than 2000 people in Brisbane and 5000 people in Queensland annually apply for the Total and Permanent Disability (TPD) benefit because their injury or condition make it difficult for them to return to their line of work. If you are unable to work within your education, training or experience, find out how our TPD lawyers Brisbane can help you claim for TPD.
What is a TPD claim?
TPD stands for Total and Permanent Disability. A TPD claim is a type of insurance claim you can claim from your superfund(s) if you are unable to work within your education training or experience. The amount of TPD Insurance you be eligible to claim could vary depending on your type of cover and age but generally it is between $40,000 – $350,000.
How is a TPD claim different from superannuation fund claim?
While both a TPD claim and a superannuation fund claim provide financial benefits, its entirely different. A TPD claim is a form of insurance within your superfund whereas claiming the funds in your superannuation fund is claiming the account balance within your superfund that was being paid to you during your work.
Almost 90% of those with TPD cover are insured through their super fund.
What if I don’t know which superfund, I am member with?
You may not know because it may have been years from when you last worked. If you don’t know which superfund you were a member with when you last worked, then do not worry. You can find out which superfunds you were a member with when you last worked in a variety of ways through the Australian Taxation Office (ATO) or via your ‘My Gov’ App if you have ATO linked to your account. Alternatively, our TPD Lawyers can look into it for you during our free claim assessment.
Can I claim the entire TPD benefit?
For the majority of superfunds yes.
Generally, the benefit will be paid out as a lump sum payment unless the type of insurance you had was considered ‘TPD Assist’ which is otherwise paid in instalments. Reach out to our TPD lawyers for a free TPD claim assessment and we will see how your unique circumstances apply and whether you may be eligible or not at no cost to you.
What are the most common TPD claims?
From our experience these are the most common TPD claims are for people who have suffered a psychological, physical injury or from illnesses
Top 7 reasons why you should work with Withstand Lawyers
1. ≅100% TPD claims success rate
According to ASIC, Australia’s average TPD claims success rate is around 85%. Also, data indicates a difference in success rates between those who claim TPD claims on their own and through lawyers.
Withstand Lawyers TPD claims success rate is around 100% thanks to its experienced lawyers. Our team of best TPD lawyers of Brisbane can act on your behalf with lodging your TPD claim successfully. Our TPD lawyers act on all TPD claims, with the most common TPD claims being:
- Mental health and depression cases
- Accident-related health conditions
- illnesses
- Nervous system related
2. Maximum Lump-sum Payout
If an illness or disability prevents you from working, you’ll probably need funds to cover your expenses. To improve your well-being, be sure you have the best TPD lawyers in Brisbane on your side, fighting for the largest lump-sum payment possible.
To ensure to get highest lump-sum payment, Withstand Lawyers:
- Analyse your unique case with its all details
- Determine your entitlements.
- Protect your rights
To learn more about how we maximise lump-sum payout for our clients you can read our TPD claim stories post.
3. Free TPD eligibility check
If you are considering making a TPD claim, a free TPD eligibility check allows you to know whether you were covered and eligible at no cost to you.
During the TPD eligibility check, our TPD lawyers look into your superfund policy and see how it stacks up with your circumstances whilst advising you on your individual TPD eligibility. What our TPD Lawyers look for is the:
- Extent of your injury or illness,
- When you last ceased work and the reason you ceased work
Your ability to return to work within your education training or experience.
4. Complete No win no fee Brisbane TPD lawyers
Whilst many law firms claim to be No Win No Fee, we recommend understanding the fine print as, understandably, some law firms have different meanings of what No Win No Fee means. At our firm No Win No fee means you do not pay our costs if you are unsuccessful with your TPD claim.
For more information about our No Win No Fee Policy you can see here.
- No Upfront Costs
- No Win No Fee
- 99% Success Rate
- Maximum Lump Sum Payout
You may be entitled to:
5. Minimum TPD claims processing duration
Money has a time value. Also, since you are unable to work. It is more crucial for you to receive TPD payment as quickly as possible.
As you can see TPD claims processing duration can go past 6 months or even a year in some cases. How you prepare your TPD claim and what evidence you rely upon when lodging your TPD claim can make a huge difference. Our TPD lawyers are efficient, diligent and caution in ensuring your TPD claim is lodged in a way to increase the most successful outcome in the shortest period possible.
6. No Upfront cost
Withstand Lawyers can cover all the medical report and evidence fees that others charge to assist in providing evidence that is required in your TPD claim.
7. Client oriented not result only orientated!
For the Withstand Lawyers, client satisfaction is the top priority. In the end our clients’ TPD success is our success. We are maximising our customer satisfaction with:
- Diverse team of lawyers: Australia is a diverse country. Our diverse team of attorneys ensure we can communicate with our clients in their preferred language. In addition to English our lawyers are fluent in:
- Mandarin
- Arabic
- Spanish
- Italian
- Turkish and more.
- One-on-one client meetings: For successful claims it is important to understand the unique conditions of each client. Therefore, we organise one-on-one client meetings where we learn about clients’ situations and clients can learn about the procedures.
- Specialised TPD lawyers: Our team of lawyers specialised in TPD law.
Our customer oriented service policy can be double checked via third party sources and customer testimonials. For instance, according to over 150 reviews we have 4.9/5 starts.
To learn more regarding our values you can check the “About Us” page.
To find out your TPD eligibility or to have a No Win No Fee TPD Lawyer act on your behalf, contact us.
Issa Rabaya
• Bachelor of Laws
• Graduate Diploma in Legal Practice
• Approved Legal Service Provider to the Independent Review Office
• Member of the Law Society
