TPD / Superannuation claims

Payment amounts vary between policies and are usually a lump sum ranging from tens of thousands to hundreds of thousands of dollars. The exact amount depends on your super fund, the level of cover you held and the terms of your policy.

Not always. Some policies require you to stop work, but not officially resign. Others allow you to claim while still employed but medically unfit for duties. It’s important to get advice before resigning, as it can affect your rights and entitlements.

Rejected claims are common — and many succeed after a review or appeal. A lawyer can challenge the insurer’s decision by gathering better medical evidence, clarifying policy definitions or disputing unfair assessments.

Yes. Many people are eligible to claim TPD benefits from more than one super fund or insurance policy. If you have multiple super accounts, you may have multiple TPD entitlements.

Most claims take several months, but timeframes vary depending on:

• the insurer
• how quickly medical evidence is provided
• whether the insurer requests further information

The process can be faster when a lawyer manages the paperwork and follows up the insurer.

Eligibility depends on the definition in your specific insurance policy. Generally, you may qualify if:

• you’re unable to return to your usual work
• you’re unlikely to work again in any suitable role for your skills and experience
• your condition is permanent, not temporary

A lawyer can review your policy and tell you quickly if you meet the criteria.

Eligibility depends on the definition in your specific insurance policy. Generally, you may qualify if:

• you’re unable to return to your usual work
• you’re unlikely to work again in any suitable role for your skills and experience
• your condition is permanent, not temporary

A lawyer can review your policy and tell you quickly if you meet the criteria.

A TPD (Total and Permanent Disability) claim is an insurance benefit you can access through your superannuation if an illness or injury permanently prevents you from returning to work. You do not need to prove someone was at fault — just that you can’t work in your usual role, or sometimes any role, depending on your policy.