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TPD Lawyers

A total and permanent disability claim entitles you to claim a lump sum payment of compensation if you have suffered an injury or illness that prevents you from returning to work in any capacity for which you could reasonably undertake by reason of your education, training or work experience.

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5 star client rating icon

5-Star Client

Rating

Free Case Assessments

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Assessments

Industry Experts

Industry Experts: 20+ years of experience

No Win No Fee

No Win No Fee Guaranteed

What is Total and Permanent Disability?

Every policy of TPD insurance is different. You need to satisfy the definition of what is total and permanent disablement under the policy to make a claim. This can vary between policies but usually you need to demonstrate the following:

  1. That you have suffered a minimum level of injury and/or;
  2. You are unfit to return to any work by reason of your education, training or work experience.
  3. For example, if you are a construction worker and sustained an injury that prevents you from returning to work in the construction industry, say a back injury and you have no other relevant work experience or skills, then you would normally qualify for claiming a TPD benefit through your superannuation fund.

Who can make a tpd claim?

A TPD claim is made against a policy of insurance held by your superannuation fund. Most superannuation funds take out insurance on behalf of members that allows them to make a claim for total and permanent disability if they are unable to work as a consequence of an injury or illness.

You need to review your superannuation documents or contact your superannuation fund and see if there is a TPD benefit payable. Your last superannuation document should tell you whether you have TPD insurance and how much can be claimed.

What is the TPD claim process?

To lodge a successful TPD claim, you need to do the following:

  1. Obtain from your super fund a copy of the policy of insurance with the definition of what is total permanent disablement.
  2. Obtain the relevant claim form documentation from your superannuation fund.
  3. Complete the claim forms provided which will include obtaining medical certification that you are unfit for work.

The TPD claims process can be complex. Usually, the insurer will look to decline a TPD claim by deciding that you do not satisfy the definition of TPD.

It is therefore important that you obtain legal advice from an Accredited Specialist in Personal Injury Law before you submit any TPD claim forms to ensure that the claim forms and documentation is completed correctly.

We offer assistance with TPD claims on a “No win – No fee” basis which means you only pay legal costs if you are successful.

It is therefore important that you obtain legal advice from an Accredited Specialist in Personal Injury Law before you submit any TPD claim forms to ensure that the claim forms and documentation is completed correctly.

We offer assistance with TPD claims on a “No win – No fee” basis which means you only pay legal costs if you are successful.

If you think you may have a right to make a claim, please do not hesitate to contact us today.

Would you like assistance with your claim?

Complete our free, no obligation confidential case assessment form and we’ll get back to you within 24 hours.

Alternatively, we are available to talk by phone and email. Please contact our experienced accredited specialist personal injury lawyers to find out how we can help.

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You won’t be required to pay any fees until we win your case.

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Anthony T.
00:50 16 Apr 24
Thank you Matthew and his team who guided me through the legal process, a truly positive experience with total professionalism.
Mikaele N.
03:01 15 Apr 24
Garling &Co Lawyers were awesome, I called every compensation law firm and was told that I couldn't claim for compensation.The whole experience and process was simple and stress free.Mr Matthew... Garling and Allison deserve an accolades for the very best in client service. I would highly recommend their service to anyone.read more
Tamara L.
02:10 15 Apr 24
I want to thank Garling & Co so much for all the help they have given me and helped with my claim. We got the win last week and it was the best news I have gotten considering how much my life has... been turned upside down the past 2 years. Emma and Rebecca have been incredible to work with and explained everything from the start even when I had hesitation to go ahead regarding how much everything would cost or how fair it could go or even if I had a chance, but they explained everything thoroughly, so I understood it all. Thank you for making this process seamlessly easy and helping me get the win it will make things a little easy for me that's for sure financial thank you for all your help I cannot recommend you and your services enough. Thank you again.read more
Sigrid W.
05:01 11 Apr 24
Utter professionalism from first phone call to final settlement. It was a pleasure to be represented by a firm that actually cares for their clients. From office staff, to paralegal and solicitor... Rebecca, Emma and Matthew thank you for your support and expertise throughout my claim. No wonder your firm has won many awards. I'm extremely happy with my outcome and can confidently recommend your firm.read more
BJ S.
01:09 09 Apr 24
Highly recommend Matthew & Allison at Garling and Co ! Quick response ! helpful every step of the way ! If you want the best compensation lawyer, Matthew @ Garling and co is the bestDoesn’t waste... time. Very informative ! excellent guidance! They get the job done ✅Website is perfect guide5 Star ⭐️ is not enoughI’m so grateful to Matthew, Allison and team for my outcome so far !Thank you 😊 Garling and co are awesome 👏 🤩read more
Jaimie K.
06:11 02 Apr 24
Have had a rollercoaster ride with Garling and Co over the several years we have been battling the system that injured workers are faced with. The wheels of progress are slow within this system.... However Garling and co have always stood by me. Calls are returned and matters are always followed up in a timely manner.read more
Tyson Langanke (Five Star W.
00:30 02 Apr 24
I cannot recommend Matthew highly enough for anyone seeking a compensation lawyer. From the moment I reached out, Matthew went above and beyond to ensure that I felt supported and informed throughout... the entire process. No question was too simple for him, and he patiently took the time to explain every step we were taking, alleviating any stress or confusion I had.He not only provided expert legal guidance but also ensured that I fully understood the intricacies of my case. His clear communication made me feel confident and reassured during what could have been a daunting experience.Thanks to Matthew's exceptional expertise and personalized approach, I was able to navigate the complexities of my compensation claim with ease. His professionalism and genuine concern for my well-being truly set him apart.read more
Shaylee C.
09:54 27 Mar 24
I recently had the pleasure of working with Garling and Co on my case, and I must say that their service was truly outstanding. From the initial consultation to the resolution of my case, they... displayed unwavering dedication and professionalism.The outcome of my case exceeded my expectations, and I am incredibly grateful for the hard work and diligence exhibited by Garling and Co. I have no hesitation in recommending this law firm to my family and friends, knowing that they will receive the same level of exceptional service.- Traceyread more
Simona M.
05:11 26 Mar 24
Emma and Rebecca have looked after my husband's workers compensation claim over the last 3 years now. We have had positive outcomes from these claims and are now pursuing a work injury damages claim.... They have been amazing to deal with. They are genuine and empathetic over what has been a very stressful time for myself and my family over these last 3 years. Nothing is ever too much for Emma and Rebecca and they are always available to communicate with. We would highly recommend Garling and Co! Thank you Emma and Rebecca.read more
Donelle L.
01:16 26 Mar 24
So very happy with the service Garling has provided the care and help has eased a lot of worry I had when going through this process . Many thanks to the entire team
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