Total and Permanent Disability (TPD) Claims Lawyers

If you’re unable to work because of injury, illness or disability, you may have TPD
insurance through either private insurance or your superannuation policy.
Accessing your TPD benefits can be difficult – but we can help you.

If you’re unable to work because of injury, illness or disability, you may have TPD insurance through either private insurance or your superannuation policy. Accessing your TPD benefits can be difficult – but we can help you.

Total and Permanent Disability Insurance Gold Coast, Brisbane and South East Queensland

A serious injury, illness or disability that leaves you unable to return to work is known as a Total and Permanent Disability. If you experience a permanent disability, you could be eligible to claim TPD insurance benefits through your super fund or private insurance company.

Making a successful TPD claim isn’t easy – a lot of information needs to be provided as part of the claims process with the being that you can prove that your condition has made it impossible for you to return to any form of employment.

Navigating the difficult claims process and satisfying the TPD insurance companies is even harder when you’re suffering from an injury and stressed about the process. But, that’s what we’re here to help with.

At South East Injury Lawyers, our experienced TPD claims lawyers’ are experienced with helping numerous people receive the insurance benefits they deserve. That’s why we offer our TPD insurance claim service on a no win no fee basis – if your claim is not successful, you won’t need to pay us anything.

What is TPD Insurance?

TPD insurance is usually provided by your superannuation fund or policy or can be a standalone private insurance policy option that has been designed to help you cover the costs of rehabilitation, changes to your home and/or lifestyle, and to support you and your family in the event of you suffering a total and permanent disability.

To qualify for a TPD claim you will almost always need to show that you’re permanently unable to perform the requirements of your usual employment or any other kind of employment due to the injury, illness or disability that you have sustained.

It’s not uncommon for people to not be aware that they have this insurance cover in place. It’s also not uncommon for people to have difficulty making TPD claims and accessing their benefits. Regardless of the cause and type of injury you have, if the injury has left you unable to work, you could be eligible to make a TPD claim.

We can help you make your TPD claim today.

Why work with a TPD insurance lawyer?

An injury, illness or disability that has left you unable to work shouldn’t stop you from being able to live a fulfilling life. In order to do that though, you need to be able to afford to live and receive treatment for your injury. Choosing to work with a TPD insurance claim lawyer can provide you with many benefits including:


Making any type of insurance claim isn’t easy – especially when it comes to total and permanent disability claims. The success of your claim will depend on many factors, including varying requirements of each TPD insurance company. We’re here to help you fulfill all of these requirements and ensure you’re making a claim in right time frames.


One of the biggest obstacles in obtaining TPD benefits is understanding what you’re actually entitled to. Our experienced TPD lawyers can help you not only make your claims but also to understand all of your options. We know how to determine compensation entitlements and what you need to do to receive them. Let us provide you with the right information so you can make the right decision for you.


We work hard to make sure our clients get what they deserve. We will work closely with you every step of the way so that you can receive your TPD benefits and focus on your recovery. We also strictly offer a no win no fee service, so if your claim is not successful, you don’t need to pay us anything. us today.

What is a Total and Permanent Disability?

Injuries and illnesses can affect people in very different ways and can have many different causes. A total and permanent disability is an injury or illness that makes it impossible for a person to work in their usual occupation or any other reasonable form of employment.

There is no set list of injuries and illnesses that qualify as TPDs, however, some common examples of injuries and illnesses that could be covered by a TPD insurance claim include:


Neck and back conditions








Brain Injuries




Mental Illnesses such as Depression and PTSD

These are only some of the injuries and illnesses that could be covered by TPD insurance. Remember, it’s not the type of injury or how it occurred, it’s how it is affecting your ability to work that matters.

Discuss your situation with our TPD claims lawyer today.

Frequently Asked Questions About TPD Insurance Claims

To make a TPD claim you will usually need to meet the following requirements:

Unable to work due to injury or illness

Had paid employment previously

Have a superannuation account with TPD insurance attached or a private insurance policy with such insurance

TPD insurers vary on the time that it takes to release funds to a policy holder. The time usually ranges from 3 to 12 months, depending on what issues arise during the claim.

We act strictly on a no win no fee basis and so we will not charge any fees or outlays if you are not successful in obtaining a TPD payout.

The amount of your TPD payout will depend entirely on the amount of insurance you do have. You can find this insurance amount by searching on your TPD superannuation statement or call your superannuation fund company. We can assist you in getting this information.

We act strictly on a no win, no fee guarantee basis. This means that if you do not receive compensation for your accident claim, we will not be charging any legal fees or outlays and hence you will not be at a loss. Whether you have had an accident at work, you’ve been involved in a car accident or you have some other type of compensation claim, we can assess claim and if we believe that there is a viable chance that we can achieve a successful result in your claim, we will take on your case. Unlike other compensation law firms who run motor vehicle accident claims, work accident claims or other compensation claims we will also not require recovery of outlays that have been paid by the firm in the event your compensation claim is not successful. Hence, our no win, no fee guarantee.

It is often the case that individuals do have more than one superannuation policy. In these circumstances, it is possible to have multiple TPD insurances. If you fulfill the criteria for TPD, then you are entitled to access all of these funds. We can take steps to ascertain what superannuation funds you do have.

If you have TPD outside of superannuation, any benefit is generally not considered taxable. However, if the TPD insurance is within a super fund then you are usually required to pay tax if you wish to withdraw the payout from your super fund. However, this is a complicated area of law and expert advice is necessary.

We provide our compensation law services Australia-wide, however, we’re based in the Brisbane and surrounding area region.

We have office locations in the below areas:

  • Hope Island
  • Varsity Lakes
  • Brisbane CBD
  • Springwood
  • Brendale
  • Brookwater
  • Toowoomba
  • Sunshine Coast