TPD Claim Assistance Australia
Illness or injury has stopped you working. Your super funds hold insurance most people never see. We help you find it, claim it and coordinate it with everything else you have running.
Our lawyers pull every super fund's TPD policy, review the wording, lodge the claim and handle disputes if the insurer says no. No upfront cost, no obligation.
TPD claim assistance from first call to final payout
Three jobs that matter the most — and that people routinely try to do alone, then get stuck on.
Pull every super fund's policy
We trace every super account linked to your Tax File Number — including accounts you forgot you had — and request the policy documents (PDS and insurance schedule) from each fund. Hidden TPD cover is the single biggest thing claimants leave on the table.
Start your assessmentCoordinate claims across funds
Where stacking is supported by the policy wording, we run claims across multiple funds in the correct sequence. Where offset clauses apply, we time the WorkCover, CTP and TPD files so entitlements are not inadvertently reduced.
Read the TPD guideHandle AFCA disputes if denied
If the insurer denies the claim or takes too long to decide, we run the internal review and then a free AFCA complaint on your behalf. Most denied TPD claims resolve at the internal review or AFCA stage rather than in court.
Talk to our teamTPD claim assistance for Australians stuck off work
TPD cover sits inside super. It pays out when illness or injury permanently stops you working. These are the people we help most often.
Injured workers on long-term WorkCover
Workers on an accepted NSW WorkCover claim who are approaching the week 130 cut-off for weekly payments, or whose permanent impairment is now clear. TPD is a separate entitlement that often applies when WorkCover starts to taper.
Post-accident and CTP claimants
People with motor vehicle, public liability or off-work accident injuries that have turned into permanent incapacity. The CTP or public liability file is its own process — TPD sits alongside it.
Mental-health claimants off work 6+ months
Workers with a diagnosed psychological condition — PTSD, depression, anxiety, adjustment disorder — that has kept them out of work for six months or more. Psychological TPD claims have a higher evidence burden, which is where careful documentation matters.
How a TPD claim actually runs
Four clear steps from first phone call to payout — or to AFCA if the insurer digs in.
Free assessment
A 20-minute conversation covering your medical history, your work history and what super funds you’ve held. No cost, no obligation. If TPD is not the right pathway, we’ll say so.
Policy review
We request the insurance schedule and policy wording from every super fund you’ve held. We then read the small print — Any-Occupation vs Own-Occupation, waiting periods, offset clauses, definition of disability. This is the step most DIY claimants skip.
Lodgement
We prepare the claim form, brief the treating doctors on the reporting detail insurers expect, and lodge with the super fund’s insurer. Where stacking is supported by the policy wording, we lodge across funds in the correct sequence.
Dispute support if needed
If the insurer denies the claim or takes longer than a reasonable period to decide, we run the internal review and, if needed, a free AFCA complaint. Court action sits beyond AFCA but most disputes resolve earlier.
What TPD actually covers
Plain English — not the marketing version the super funds send out.
TPD (Total and Permanent Disability) insurance is attached to most default super accounts in Australia. The benefit is paid from an insurance policy owned by the super fund — not from your retirement savings — and arrives as a lump sum when illness or injury permanently stops you working.
The two tests you’ll see in policy wordings are Any Occupation(you can’t work in any occupation you’re reasonably suited to by training or experience) and Own Occupation(you can’t work in the specific occupation you held when you became disabled). Most default super cover uses the Any Occupation test — a tougher bar, but by far the most common policy in the country.
TPD is separate from WorkCover, separate from CTP and separate from an income protection claim. It can run alongside each of them — the order and timing matters because of offset clauses in some policies.
Four situations where TPD claim assistance makes the difference
If any of these sound like your position, book the free assessment — the earlier we start, the cleaner the file.
Out of work 3+ months with no clear return date
Most TPD policies require a 3 or 6 month waiting period of continuous incapacity before a claim can be lodged. If you’re already past the waiting period, the file can be prepared now.
WorkCover weekly payments ceasing at week 130
NSW WorkCover weekly payments usually cease at week 130 without a whole-person impairment > 20%. TPD is the separate entitlement that often sits behind it — but claimants have to lodge it themselves.
Permanent disability diagnosis from a treating specialist
A treating specialist’s written opinion that your condition is permanent — or that you will not return to your prior work — is the medical anchor of most TPD claims.
Denied TPD claim — appeal or AFCA complaint
A denied claim is not the end of the road. Internal review, AFCA complaint and court action all remain options. Most disputes resolve at the internal review or AFCA stage.
TPD Claim Assistance FAQs
Related resources
Read the full TPD claims guide
The complete plain-English guide — default cover, stacking, Any-Occ vs Own-Occ, disputes and how TPD fits with WorkCover and CTP.
Read moreContinueEstimate your TPD payout
Run the indicative lump sum across every super fund you hold — age, occupation and balance in four inputs.
Read moreContinueHow to check if you have TPD cover
Most Australians hold TPD through super without knowing it. The 10-minute check that finds every fund.
Read moreContinueWorkCover compensation lawyers
Our compensation lawyers run WorkCover, CTP and TPD files together so the offset clauses between schemes work in your favour.
Read moreGet a free TPD assessment
No cost, no obligation. We review your super accounts, your medical history and the strength of the claim — before anything is lodged.
Call (02) 7238 7379