TPD Lawyers Melbourne & Victoria
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Principal Lawyer and Director · Last updated 28 August 2026
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Key takeaway: Around 5,000 Melburnians make TPD claims each year, usually through their super fund, since about 90% of TPD policies sit inside superannuation. Payouts typically range between $40,000 and $350,000 depending on your age, income and level of cover, and the average TPD claim takes around 5 to 6 months to decide.
TPD Claims Melbourne: Quick Answers
You know that you are not alone, around 5000 people from Melbourne make TPD claims each year due to being unable to work because of their injury or illness.
Maximising your TPD benefit is crucial for your finance. That’s why, as a TPD lawyer in Melbourne I want to help you understand how our legal services can assist you. In this post, I’ll explain the ins and outs of TPD claims, and how our team can help you navigate the claims process and achieve a positive outcome.
What is a TPD Claim?
TPD stands for “Total and Permanent Disability,” a TPD claim is a type of insurance claim made when you are no longer able to work due to an injury or illness. The injury (either physical or psychological) or illness is not required to be work related or due to someone else’s negligence.
In Melbourne, TPDlaims are typically made through a person’s superannuation fund since around 90% of the TPD policies are provided through superannuation funds. If you become totally and permanently disabled, you can make a claim on your insurance policy to receive a lump sum payment.
Following injuries or health conditions might make you eligible for a TPD claim:
- Mental illnesses
- Neurological diseases
- Physical injuries
- Cancer
- Stroke
- Heart attack and more.
Are you Eligible for a TPD claim?
To be eligible, you must have an injury or illness that prevents you from working within your usual occupation or any other occupation you are suited for based on your education, training, or experience.
Of course, our TPD lawyer during our free eligibility check will tell you your chances once you provide them with what your injury or illness is along with what education, training and experience you have. It does not necessarily have to be the most serious injury or illness, but rather, what injury or illness you have and how that injury or illness can prevent you from working within what work you are suited in by your education, training or experience.
At Withstand Lawyers, we understand that navigating the eligibility requirements can be confusing and overwhelming. That’s why we offer a free TPD eligibility check. Our experienced TPD lawyers in Melbourne, will review your circumstances and superannuation and insurance policy and advise you on your eligibility for a TPD claim on a No Win No Fee basis. We’ll take the time to explain the criteria and ensure that you have a clear understanding of the process.
Don’t hesitate to get in touch with us today to take advantage of our free TPD eligibility check. Our team is dedicated to helping you understand your legal options and achieve a positive outcome.
How TPD Claims Process Works and How Withstand Lawyers Can Help
The first step in the TPD claims process is determining your eligibility. Once we have established your eligibility, we’ll work with you to gather the necessary evidence to support your claim. This may include:
- Medical reports
- Employment history
- And other relevant documentation.
Our TPD lawyer will then make a claim to your superannuation fund or insurer and negotiate on your behalf to ensure that you receive the maximum benefit possible.
We offer our services on a No Win No Fee basis, meaning that you won’t have to pay any upfront costs. If we are unsuccessful in securing a benefit for you, you won’t owe us anything. This provides peace of mind to our clients and ensures that our team is fully committed to achieving a positive outcome (we have almost 100% success rate for TPD claims).
- No Upfront Costs​
- No Win No Fee
- 99% Success Rate
- Maximum Lump Sum Payout​
How Much TPD Payout You can Receive in Melbourne?
The value of a TPD payout in Melbourne can vary depending on the individual’s circumstances. The payout is typically a lump sum payment made to the individual, and the amount can be around between $40,000 and $350,000. The exact amount of the payout will depend on various factors, such as:
- Your age
- Income
- Level of cover you have in your superannuation fund or TPD policy.
At Withstand Lawyers, our experienced TPD lawyers can help you understand the value of your potential payout and ensure that you receive the maximum benefit possible.
Rejected TPD Claim – What to Do Next
Having a TPD claim rejected can be a frustrating and overwhelming experience, but it’s important to know that you still have options. If your TPD claim has been rejected in Melbourne, the first step is to seek legal advice from an experienced TPD lawyer.
At Withstand Lawyers, our team of experienced TPD lawyers can review your claim and assess the reasons for the rejection. We can identify any weaknesses in your claim and provide you with legal advice on the next steps to take. We can also help you challenge the decision, which can involve requesting a review of the decision, making a complaint to the Australian Financial Complaints Authority (AFCA) or commencing Court Proceedings.
It’s important to act quickly if you have received a rejection letter, as there are strict time limits for challenging the decision. Our lawyers can guide you through the process and provide you with the support you need to secure the financial support you deserve. We’ll work with you to gather the necessary evidence and submit your claim before the deadline, ensuring that you receive the maximum benefit possible.
How Long Does a TPD Claim Take in Melbourne?
Statistics suggest that the average duration for a TPD claim is around 5-6 months. However, this period can be extended if, amongst other reasons, the insurer is not satisfied with your evidence.
TPD Claims Melbourne FAQs
How much is a TPD payout in Melbourne?
Am I eligible for a TPD claim in Melbourne?
How long does a TPD claim take in Melbourne?
What is a TPD claim?
What conditions qualify for a TPD claim?
Does a TPD claim have to be work related?
What can I do if my TPD claim is rejected in Melbourne?
Do I pay upfront costs for a TPD claim in Melbourne?
About the author
Issa Rabaya · Principal Lawyer and Director
✓ Admitted to the Supreme Court of NSW and High Court of Australia ✓ LLB ✓ IRO-approved ✓ Law Society of NSW
Acts for injured people in CTP, workers compensation, TPD and public liability claims.
Why Choose Withstand Lawyers for Your TPD Claim?
- Withstand Lawyers has a high success rate in securing TPD claims for clients.
- We offer a No Win No Fee policy, so there are no upfront costs for our services.
- Our client-focused approach has earned us many positive testimonials.
If you’re considering making a TPD claim in Melbourne, contact Withstand Lawyers for a free consultation and let us help you have the best chance of receiving an approval.
Call 1800 952 898 for a free claim check. No win, no fee, no upfront costs.
“Working with Esther has been an absolute blessing during an incredibly difficult time. Anyone who has ever had to navigate an insurance claim knows just how difficult, overwhelming, and anxiety-inducing the entire process can be. Before reaching out to Withstand Lawyers, I was constantly stressed and deeply overwhelmed by the system. The firm made the initial intake process incredibly smooth, and they placed me in the hands of my lawyer, Esther. From that moment on, from the first conversation, I finally found my solid ground. Esther has completely transformed how I navigate this unfortunate situation. Because she handles my matter directly, I have a direct line of contact with her and never have to jump through hoops to get support. Esther’s presence alone has given me immense confidence in my claim. What sets her apart is her perfect balance of professional mastery and genuine empathy. As a client, having a lawyer who truly listens and supports you when your mind is filled with doubt is a massive relief. She doesn’t just manage a file — she consistently protects her client’s peace of mind. Her recommendations are always highly logical, realistic, and clear-cut. She cuts through the legal confusion and tells you exactly where you stand, which is exactly what you need during the hardest times of your life. I feel incredibly lucky to have Esther and her team at Withstand Lawyers by my side. For anyone out there facing a difficult time with an insurer and looking for a legal advocate who offers absolute clarity, strength, and compassion — I cannot recommend Esther highly enough. She is a truly admirable professional who genuinely cares about the people she protects. Truly grateful!” “I have searched top lawyers (personal injury) in Sydney. I found Withstand Lawyers so I rang them up and asked I need lawyers that are nicer and more understanding despite what I am going through. They exceeded my expectations especially Issa, he always remind everyone to be more cautious when speaking to me and I really appreciate that. I am satisfied that my case (MVA) turned out to be successful. Withstand lawyers is more than 5 stars. Can’t recommend highly enough.” “I would like to express my deepest appreciation for the incredible support I’ve received over the past 4.5 years. My case has been long, complicated, and filled with challenges, but Issa and his team stood by me through every step with genuine care, professionalism, and dedication. Their compassion has meant just as much to me as their legal expertise. They didn’t just handle my case, they helped me through some of the most difficult years of my life. I wholeheartedly recommend them to anyone who needs genuine support, honesty, and a team that truly cares about your wellbeing.” “Thank you Withstand Lawyer for your exceptional work, professionalism and easy process for successfully assisting me with my TPD claim. I am thankful for your support. I highly recommend Withstand Lawyers and the services they provide.” “Had a very positive experience with Withstand Lawyers. The team was professional, knowledgeable, and supportive throughout the entire process. They took the time to explain everything clearly, kept me informed at every stage, and responded promptly to my questions. Their attention to detail and commitment to achieving the best possible outcome gave me confidence from start to finish. I truly appreciate their dedication and excellent service, and I would highly recommend Withstand Lawyers to anyone looking for reliable and trustworthy service.” Every TPD and superannuation claim is handled by a personal injury lawyer with dedicated TPD and superannuation experience. Issa Rabaya Director, Lawyer Founder and Director with 12 years' experience since his 2014 admission, previously at the largest litigation law firm in Australia. A personal injury lawyer for serious injuries, leading Withstand Lawyers' work across every claim type, with settlements reaching into the millions, including a $6.3 million motor vehicle accident result. Mihana Wen Associate Associate with 6 years' experience since 2020 and a recent $1.95 million motor vehicle accident settlement, known for not taking no for an answer and lodging appeal submissions for injuries insurers try to deem below the 11% whole person impairment threshold for pain and suffering. The go-to for car accident claims, guiding clients from the first CTP submission through to settlement with a compassionate, hands-on approach. Isabel Sarcia Senior Lawyer Lawyer with 6 years' experience since 2020, working exclusively in TPD and superannuation claims, necessary because these claims turn on strict super fund definitions and procedure that few generalist lawyers see day to day. Specialises in lodging TPD claims efficiently, cutting through fund delays so claims are accepted faster and in full. Maria Drosos Associate Lawyer with 6 years' experience since 2020, working exclusively in TPD and superannuation claims, necessary because these claims turn on precise policy wording and medical evidence that few generalist lawyers handle daily. Specialises in lodging TPD claims efficiently, managing the insurer requests and medical reports that decide the outcome. Chenoa Brimble Lawyer · 4+ yrs experience Lawyer with 4+ years' hands-on experience in personal injury claims, built inside the firm before her 2026 admission, known for being organised and efficient in progressing clients' workers compensation, work injury damages, public liability and TPD claims.4.9 ★ — 265+ Reviews
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