TPD Claims for Depression in Western Australia
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Principal Lawyer and Director · Last updated 28 August 2026
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Key Takeaway: If depression has left you unable to return to your usual occupation, you may claim a total and permanent disability (TPD) benefit through your superannuation fund. TPD payouts for depression typically range between $50,000 and $350,000, and some policies pay up to $2,000,000.
TPD Claim for Depression: Quick Answers
Total and Permanent Disability Claims for Depression
Total and permanent disability (TPD) claims can be made against your superannuation fund due to an injury or illness that has left you unable to return to work. Psychological/mental illnesses and conditions are within the scope of TPD claims as well as physical ones, if they prevent you from being employed in your usual occupation.
Depression is among the most common mental illnesses experienced by many people at some point in their lives. Not every depression case can be considered a permanent disability, however, since depression can take many forms and emerge in different levels of seriousness. More severe versions of depression are generally diagnosed as major depression, psychotic depression and bipolar disorder. In order to be able to make a TPD claim for your depressive illness, you usually must be able to provide medical evidence by way of a medical report documenting its severity to the extent of preventing you from returning to work.
Before proceeding to make a TPD claim for depression, you should inquire into the details of your superannuation policy to see what exactly is covered and what other evidence you may need to provide. Each policy has different requirements and different definitions of how they categorise TPD. Checking your policy requirements will help you identify the grounds on which your claim can be refused.
What TPD benefits can you get for depression?
The most expected result from a TPD claim is a single lump sum payment that will assist you monetarily given your inability to return to work. The amount of lump sum payment will usually depend on your superfund, age and the scope of your policy. However, TPD payouts typically range between $50,000 and $350,000. However, we have seen some TPD policies be up to $2,000,000.
How can you make a TPD claim for depression?
Make sure you understand what your insurance policy covers you for by contacting your superannuation fund. Your policy will detail whether or not your policy allows for TPD, the eligibility requirements for making a TPD claim including their definition of TPD and when that TPD had to have occurred. Our TPD lawyers will be able to do that on your behalf and be able to assist you in understanding your policy and advising you on what is required in order to make a TPD claim. You will need medical evidence to support that although you have depression, to what extent, that depression has affected your ability to return to work. Our TPD lawyers will work on your behalf to provide evidence of your situation through medical reports, details of your occupation, payrolls, and other relevant documents explaining why you will not be able to perform your usual job due to your depression. Each superfund has its own prescribed forms that are required to complete to make a TPD claim as it depends on each superfunds policy.
Why your claim could be refused
The specific reasons your claim for depression could be refused will depend on the scope of your policy, but some common reasons may be lack of sufficient evidence, inactive or invalid policy, failure to comply with work history requirements, and inability to meet the disability definition of your policy. We recommend you contact our TPD lawyers who can advise you on whether or not it has reasonable prospects of your TPD claim being approved prior to lodging your TPD paperwork.
Frequently Asked Questions
Why should I hire a lawyer for depression TPD claim?
How long does it take to receive compensation for TPD depression claims?
Do I have to be in Perth to make a TPD claim for depression?
When should I speak to a TPD claim lawyer for my claim?
How much does it cost to hire a TPD depression claim lawyer?
Our TPD Lawyers provide a Free Claims Assessment meaning you are able to have your TPD claim assessed for free. If you proceed and have our TPD lawyers working on your behalf our lawyers will work on a no win no fee basis.
How much compensation can I get from a TPD depression claim?
What conditions count as depression for a TPD claim?
How much can a TPD depression claim pay out?
TPD Claim Lawyers for depression in Perth
Our experienced TPD claim lawyers have conveniently located offices in Perth, WA can help you at any point in your TPD claim process. We can assess your situation in the best manner and guide you to achieve the best payout from your TPD claim. We remind you that we work on a no win no fee basis, meaning you will not pay our legal costs unless your claim is approved and you receive a payment. Our TPD Lawyers will also pay for associated costs such as medical reports and third-party documents that are required to support making your TPD claim upfront. We will only recover them from you from your lump sum payment upon being approved by the insurer or superfund. That means you will not be out of pocket for the entirety of the TPD process until your claim is approved and you receive the lump sum payment.
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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 Depression Claim?
Living with severe depression is hard enough without fighting an insurer for the benefit you have already paid for through your super. Withstand Lawyers has helped people across Western Australia claim the total and permanent disability benefits they are entitled to when depression stops them working. Our TPD lawyers bring decades of combined experience, a proven record of success against superannuation funds and insurers, and a genuine commitment to securing the maximum benefit under your policy. At Withstand Lawyers we handle the medical evidence, gather the reports, complete the paperwork and take on the negotiations so you can focus entirely on your recovery, and we keep you updated at every stage. Over $60 million recovered, 99% success rate, no win, no fee.
Call Withstand Lawyers on 1800 952 898 for your free claim check today.
“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 Ingram 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. Lauren Bergan Lawyer · 4+ yrs experience4.9 ★ — 265+ Reviews
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