TPD Lawyers
Written by
Principal Lawyer and Director · Last updated 24 August 2026
4.9 from 265+ verified Google reviews Read all reviews
Key Takeaway: If injury or illness stops you working, you may be entitled to a TPD or superannuation payout through your insurer. Under the Life Insurance Code of Practice, insurers generally decide within six to twelve months, and Withstand Lawyers can check your entitlements on a No Win No Fee basis.
TPD Claims: Quick Answers
If your unable to work due to an injury or illness, you deserve the best legal advice on what insurance benefits you could be eligible to claim. Our TPD Lawyers will advise you on your entitlements and how to claim them. Call us now or fill out the form below.
- No Upfront Costs
- No Win No Fee Guarantee
- Offices Conveniently Located throughout NSW
If your unable to work due to an injury or illness, you deserve the best legal advice on what insurance benefits you could be eligible to claim. Our TPD lawyers in NSW will advise you on your entitlements and how to claim them. Call us now or fill out the form below.
- No Upfront Costs
- No Win No Fee
- Offices conveniently located in NSW
What am I
Entitled to?
-
Total and Permanent Disability Payment -
Income Protection Benefits -
Terminal Illness Benefits
What is the process for making a claim?
We will listen carefully to your situation. We will make sure you actually understand your insurance benefits and how to claim them.
Obtain relevant documents to support your claim and maximise your claim and chance of your claim being approved.
Negotiate with the other side to have your claim approved in the quickest possible time.
Frequently Asked
Questions?
How long does a TPD claim take?
Under the Life Insurance Code of Practice, an Insurer is required to decide on a TPD claim within six to twelve months, but this depends on whether or not the TPD claim is considered complex or not. For instance, where the claim is more serious and requires greater medical or expert evidence to demonstrate how the illness or injury has dramatically affected your life, it is inevitable that the insurance claim process will take much longer than one that is not as detrimental.
What can I do if my TPD injury claim is refused?
Don’t worry if your claim is refused; insurance companies can make incorrect decisions and you are entitled to a review for their decision. If you think that what they say is unfair, then you can submit a formal complaint to your superannuation provider. Also, you can reach the industry tribunal or financial ombudsman service to make a complaint. Feel free to contact our superannuation lawyers to get the best advice for your claim.
You can either: appeal to the Australian Financial Complaints Authority (AFCA); or secondly, lodge a complaint about the super fund or insurer’s decision- which will lead to a formal review process. Irrespective of this, you must be aware of the fact that your claim is more likely to be successful where strong supporting evidence, such as medical reports and loss of income due to the illness or injury sustained is given. Our superannuation lawyers will be able to advise you in the clearest possible way as to whether or not you have reasonable prospects of succeeding in your TPD claim without having to go through the process and finding out at the end.
Who is entitled to claim superannuation death benefits?
Dependents of the person who passed away are eligible to make a superannuation claim to receive death benefits. Dependents include but are not limited to the partner, children and financially dependent person.
Am I automatically covered for TPD benefits?
When you are unable to work, you may claim TPD compensation from your individual insurance fund, depending on your individual policy. So, technically you are covered but that does not mean that you will receive superannuation benefits. You will need to make an official claim to your insurer by presenting necessary evidence.
What evidence do I need to provide for my TPD claim?
You should be able to provide a medical certificate from an approved specialist to show you qualify for a payout. Also, you should provide details of your role at work and why you are unable to work due to your injury or illness. Once you draft all necessary documents, you will need to fill out the claim form to commence your superannuation claim.
Can I go back to work after a TPD payout?
The short answer is: it depends on your insurance policy. You might be able to go back to work and perform a different job because the TPD insurance payout is received by people unable to perform their usual occupations.
Also, new medical techniques might treat your illness or injury. In that case, your superannuation payout would not prevent you from finding a new occupation.
How much do lawyers charge for TPD claims?
Different companies may charge fixed or variable amounts: however, at Withstand Lawyers, you do not have to pay for upfront costs and out of pocket disbursements. Our team works on a No Win No Fee basis which means that do you not pay our firm anything unless we obtain your entitlements.
NSW TPD Claims FAQ
How long does an insurer have to decide a TPD claim in NSW?
What can I do if my TPD claim is refused?
What evidence helps a TPD claim succeed?
Who can claim superannuation death benefits?
Can I still claim TPD if I might return to a different job?
What documents do I need to start a TPD claim?
Do I have to pay upfront to make a TPD claim?
Do you help with TPD and super claims across NSW?
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?
Being unable to work because of injury or illness is frightening, and dealing with an insurer at the same time can feel overwhelming. At Withstand Lawyers we take that weight off your shoulders. We listen first, explain your entitlements in plain language, and tell you honestly whether you have reasonable prospects before you commit to the full process. We gather the medical and income evidence that gives your TPD or superannuation claim its best chance, handle the paperwork, and stand up to insurers who get it wrong. You are never just a file number to us; you are a person we are determined to help through a difficult time. Over $47 million recovered, 99% success rate, no win, no fee.
Call Withstand Lawyers on 1800 952 898 for your free claim check today.
4.9 ★ — 265+ Reviews
“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.”