No Upfront CostsNo Win No Fee99% Success RateMaximum Lump Sum Payout
TPD Lawyers
If you're looking for TPD lawyers, Withstand Lawyers can help you understand your rights and guide you through the Total and Permanent Disability (TPD) claim process through your superannuation fund. Many Australians living throughout New South Wales don't realise they already have TPD cover included in their super, meaning you could be entitled to a lump sum payment if illness or injury prevents you from returning to work.
We know that making a TPD claim can feel overwhelming, especially when you're already coping with health and financial challenges. That's why our dedicated team of TPD lawyers take the time to listen to your situation, explain your options in plain language, and handle all communication with your insurer on your behalf.
At Withstand Lawyers, we focus on achieving the best outcome for every client. We manage your claim from start to finish on a No Win No Fee basis, working efficiently to secure the compensation you're entitled to, so you can focus on your recovery and peace of mind.
You may be entitled to:
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Total and Permanent Disability (TPD) lump sum payment
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Income protection benefits
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Terminal illness benefits
What is a Total and Permanent Disability (TPD) Claim?
A Total and Permanent Disability (TPD) claim is a type of insurance claim made when an individual is unable to work due to a total and permanent disability. This can result from an illness, injury, or medical condition that prevents you from performing any work for which you are reasonably qualified.
To be eligible for a TPD claim, you must meet specific criteria outlined by your insurance policy. Our TPD lawyers will thoroughly review your policy to determine your eligibility and guide you through the application process. Contact us today for a free claim assessment to find out if you are eligible to make a claim.
Unsure About Your TPD Insurance Cover? Our TPD Lawyers Can Help!
Do you have TPD insurance cover at the relevant dates? Don't worry if you don't have insurance right now, what matters most is when you ceased work and why.
Even if you don't have insurance cover right now, you may still be eligible to make a Total and Permanent Disability (TPD) claim through your superannuation fund.
If you're unsure which TPD policy applied at the relevant date, our TPD lawyers can investigate this for you as part of your free claim assessment. We'll review your super fund details and identify which insurance policy was active when you last worked, helping determine whether you're eligible to make a claim.
Our TPD lawyers understand how confusing insurance terms and TPD policy definitions can be. We'll review your fund's policy, explain whether you meet the definition of Total and Permanent Disability, and confirm if you had valid cover at the time you stopped working.
You don't have to figure it out alone. Contact Withstand Lawyers on 1800 952 898 to speak with one of our TPD lawyers today and get your free TPD claim assessment.
What Are The Most Common TPD claims Lodged in NSW?
Injuries or illnesses that prevent individuals from working are the primary reasons for making a TPD claim in New South Wales. Filing a TPD claim does not affect other compensation entitlements you may have, as each claim is distinct. Many of our clients have received payouts for both car accident injury claims and TPD claims simultaneously.
Common reasons for TPD claims include workplace injuries, motor vehicle accidents, and illnesses such as cancer or heart disease. It is also important to note that TPD claims can be made for mental health conditions such as anxiety and depression.
How Can I Make a TPD Claim in Sydney?
Each superannuation fund has its' own TPD claims process.
If you had TPD insurance at the relevant time, your policy will outline the requirements for making a claim, typically involving the completion of necessary forms and obtaining relevant medical documents. The superannuation fund will then provide your TPD claim to the insurance company for assessment and decision.
To get your TPD claim approved, you will need to:
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Complete the application thoroughly.
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Provide all supporting documents, including clinical notes, medical reports, financial documents, and worker's compensation files if relevant.
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Include medical evidence explaining why you are unable to work in any job suited to your education, training, and experience.
Our experienced TPD lawyers know what insurers are likely to request, helping to avoid lengthy back-and-forth processes and ensuring a quicker, successful outcome. Determining whether you satisfy the TPD definition in your policy can be challenging, especially if you are already dealing with physical or psychological symptoms.
If you need free advice regarding your eligibility to make a TPD claim, making a successful TPD claim, or challenging a denied TPD claim, call our dedicated team of TPD lawyers on 1800 952 898. We have extensive experience with TPD claims and understand what is required for a successful and efficient outcome.
Lump Sum Payout Amounts for Total and Permanent Disability Claims
TPD insurance benefit depends on which superfund your with, your age and what cover you applied for, whether automatic or top up. Amounts typically range between $40,000 and $350,000, with many exceeding $100,000.
Your superannuation policy may also allow you to claim Income Protection, Accident and Trauma, or Life Insurance benefits as a lump sum. Speak to us at 1800 952 898 to learn how to maximise your benefits.
$40,000 – $350,000
Typical TPD lump sum payout range
Total and Permanent Disability Claims Processing Times in NSW
Although there are no regulated time frames for insurers, TPD claims decisions are usually made within 3-12 months after the lodgement of all relevant supporting documents, provided the documents are correct.
Many of our clients receive a decision within 2-4 months, although decisions may come earlier or later depending on circumstances – such as terminal illness or thorough application submissions.
If you have lodged a TPD claim and it has taken longer than 3 months to get a decision, get in touch with us to investigate the delay.
How Much Do TPD Lawyers Charge For TPD Claims?
How much lawyers charge for TPD claims will vary based on the cost agreement with your lawyer. That's why different lawyers across NSW charge differently for TPD claims.
At Withstand Lawyers, we operate on a 'No Win No Fee' basis, meaning you don't pay us unless we secure a successful outcome for you. We also cover out-of-pocket disbursements to fund your claim to make the process as seamless as possible. That means you don't pay our firm anything unless we are successful in obtaining you a successful outcome.
Get a Free Claim Assessment From Our TPD Lawyers
In our free claim assessment, we will:
- start off by making sure you understand what TPD means
- explain the process to lodge a TPD claim in NSW
- inform you of the estimated payout based on your superfund and age
- explain what evidence will be required for your claim
NSW TPD Claims FAQ's
Could a TPD claim be refused or denied in NSW?
TPD claims can be denied for one or more of the following reasons, if you:
If your claim is denied, reach out to one of our TPD compensation lawyers who will help you navigate your way through.
- Don't meet the disability outlined in your policy
- Have an inactive or invalid policy
- Haven't provided convincing medical evidence to support your TPD claim
- Haven't met work history requirements
- Failed to disclose pre-existing injuries
- Have errors or inconsistencies in your evidence
If your claim is denied, reach out to one of our TPD compensation lawyers who will help you navigate your way through.
What can I do if my TPD claim is refused/denied?
If your TPD claim is denied, you have the right to dispute the insurer's decision. Insurers can sometimes make mistakes, and you are entitled to request a review of their decision. A claim denial doesn't mean the insurer's decision is final or correct.
If you believe the decision was unfair, you can file a formal complaint with your insurance or superannuation provider to seek a review. Additionally, you can take your complaint to an industry tribunal or the Financial Ombudsman Service.
We strongly recommend contacting our experienced TPD lawyers for expert advice on how to challenge the decision and guide you through the next steps.
If you believe the decision was unfair, you can file a formal complaint with your insurance or superannuation provider to seek a review. Additionally, you can take your complaint to an industry tribunal or the Financial Ombudsman Service.
We strongly recommend contacting our experienced TPD lawyers for expert advice on how to challenge the decision and guide you through the next steps.
Can I return to work after a TPD payout?
Yes. It's important to understand that receiving a TPD payout is based on the evidence that demonstrates you are unlikely to ever return to work. However, this doesn't mean that if you eventually recover from your injury – whether physical or psychological – you are barred from returning to work because of the TPD payout. The assessment is made based on your condition at the time of the claim.
If you still have concerns, our experienced TPD lawyers at Withstand Lawyers are here to support you. We can guide you through this challenging period, whether you're dealing with physical, psychological, or a combination of both types of injuries.
If you still have concerns, our experienced TPD lawyers at Withstand Lawyers are here to support you. We can guide you through this challenging period, whether you're dealing with physical, psychological, or a combination of both types of injuries.
Am I automatically covered for TPD?
If you have suffered a serious illness or injury that has left you unable to work, you may be eligible to claim TPD compensation from your superannuation fund, depending on your policy. TPD benefits are not automatically granted; you must submit an official claim to your insurer detailing your situation and providing the necessary evidence.
To qualify for a TPD payout, you will need to medically prove your condition. Start by obtaining a medical certificate from an approved specialist. Additionally, you should provide information about your occupation, payroll records, and any other relevant documents that explain why your injury prevents you from performing your job. Once you have gathered all these documents, complete the claim form and submit it to your insurer to begin the TPD claim process.
To qualify for a TPD payout, you will need to medically prove your condition. Start by obtaining a medical certificate from an approved specialist. Additionally, you should provide information about your occupation, payroll records, and any other relevant documents that explain why your injury prevents you from performing your job. Once you have gathered all these documents, complete the claim form and submit it to your insurer to begin the TPD claim process.
Does TPD cover cancer?
Different types of cancer can significantly impact a person's life, especially if left untreated until advanced stages. If cancer has prevented you from working, our TPD claim lawyers can help assess your eligibility for making a claim. The details of your superannuation policy and the medical reports documenting your illness will be key factors in determining your eligibility for a TPD claim.
What evidence do I need to provide with my TPD claim?
When making a TPD claim, you will need to provide medical evidence to support your claim. You should review your policy and inform your doctor and other relevant medical practitioners about the definition of your policy. It is also important that you inform your doctor of any other barriers that might prevent you from working.
Additionally, you should include evidence relating to your education, training and work history. This information can help demonstrate that you are unable to perform any other jobs that your superannuation company might consider suitable based on your previous experience, especially after your injury.
Additionally, you should include evidence relating to your education, training and work history. This information can help demonstrate that you are unable to perform any other jobs that your superannuation company might consider suitable based on your previous experience, especially after your injury.
Can I make more than one claim for TPD if I have multiple TPD policies with different super funds?
If you were a member of more than one superannuation fund at the time of your illness or injury, you may be able to claim TPD benefits from each fund, provided you were a member at the time of the event. However, this is contingent on the insurance policies within each superannuation fund explicitly stating that they offer TPD benefits. It is crucial to check whether your policies include this coverage in the event of an illness or injury.
Since navigating multiple claims can be complex, don't hesitate to contact our experienced team of TPD lawyers. We can simplify the process for you and work to secure the best possible outcome.
Since navigating multiple claims can be complex, don't hesitate to contact our experienced team of TPD lawyers. We can simplify the process for you and work to secure the best possible outcome.