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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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Lisa L.
05:18 13 Jul 24
Outstanding service and commitment to my case was delivered from the first point of contact right until the end of my successful case.Highest recommendations to the team at Garling and Co. Matthew... got me an excellent result and was available and informative throughout the entire foreign process of legal proceedings. He was wonderful and so was his team.If i could rate higher than 5 stars i would!read more
J B
07:12 02 Jul 24
Matthew Garling and all of the team were extremely professional and supportive throughout what was a very long and arduous CTP battle. I am happy with the result and feel that their fees were fair... and well deserved.read more
Nelson B.
02:11 30 Jun 24
Professional, prompt & honest service
Brad M.
02:19 28 Jun 24
I worked with Garling & Co for 3+ years, the team has been incredible and I could not have been happier with Kerry's support and the results produced!I highly recommend choosing them as your... representatives!!read more
Ray H.
07:33 13 Jun 24
Matthew Garling and Team are kind, patient, polite, professional, empathetic and efficient. I was treated terribly by the at fault insurer. Garling and Co. had my back. Matthew gently and patiently... kept me up to speed on all the steps to go through. From my personal experience I recommend these guys. They are safe hands. Thank you team.read more
Jo L.
05:58 07 May 24
So very impressed with the professional team who looked after me throughout the last 4 and 1/2 years. A special mention to Kerry and Nathan who navigated each request to fight for my right to gain... access to further treatments and physio and to ensure medical treatment would be covered moving forward. I was so grateful I could hand it all over to you and not have to go through this very challenging time without your support.I thank you for the compassion you have provided to me, from the first contact with Matthew and Natasha, to finalisation with Kerry and Nathan.I highly recommend the team at Garling and Co for any third party compensation claims. You are in good hands with them all.read more
Linda O.
21:53 06 May 24
Emma, Rebecca and the team at Garling and Co have worked diligently throughout my workers compensation claim. The level of professionalism, support and communication has been faultless. Of particular... note has been the sensitivity displayed to me throughout the lengthy process. Worker’s compensation claims are complex and not easy to navigate, particularly when you are unwell. I do not hesitate to recommend Garling and Co to help you find a way through this otherwise unfathomable system.read more
Keith H.
20:51 23 Apr 24
After my case stalled with another firm, I decided to give Matthew Garling a call. He took my case and not only won, but achieved an outcome that far exceeded my expectations. This firm is the best... in the business in my opinion and I wouldn't hesitate to recommend them to anyone.read more
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
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