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Total & Permanent Disability (TPD) Claims

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What is Total & Permanent Disability (TPD)?

Suffering a Total Permanent Disability (TPD) is a significant life event that can have a profound impact on you and your family. The definition of what constitutes TPD varies from insurance policy to policy, however it is commonly accepted that it occurs when you are unable to perform the essential duties of any job suited to your qualifications, training, or experience. 
If you’re unable to work due to injury or illness, you may be entitled to make a TPD claim through your Super fund or insurance provider.


TPD insurance typically offers two coverage options:

  1. Own Occupation: This type of coverage pays out if you are unable to resume your usual occupation due to a disability. It is typically more expensive than ‘any occupation’ coverage and is often only available outside of superannuation.
  2. Any Occupation: This coverage pays out if you are unable to work in any occupation whatsoever, regardless of your prior training or experience. It is generally less expensive than ‘own occupation’ coverage but has a higher threshold for claiming, meaning it is less likely to pay out.

What are the benefits of TPD insurance?

TPD insurance can provide you with a lump sum payment or income stream to help you meet your financial needs if you are unable to work due to a disability. This can help you cover your living expenses, medical bills, and other costs. TPD insurance is typically included in group life insurance policies offered by employers through Superannuation.

Common Examples and Eligibility

TPD insurance offers financial protection in the face of debilitating injuries or illnesses that render you unable to work for the foreseeable future. While each insurance policy may have specific requirements, some common examples of conditions that can lead to successful TPD claims include:

  • Cancer Diagnosis
  • Stroke
  • Loss of Limb
  • Infectious Diseases
  • PTSD
  • Anxiety and Depression
  • Injuries suffered in the
  • Workplace
  • Injuries suffered in a Motor Vehicle Accident

How can Brandon & Gullo Lawyers help me with my TPD claim?

If you are considering making a TPD claim, it is important to seek legal advice from an experienced personal injury lawyer. No two TPD claims are the same, and each insurance or superannuation policy will have its own unique requirements. As TPD claims can be complex and payouts are frequently denied by insurers, we can help you navigate your claim journey and deal with the insurance company so you don’t have to, giving you peace of mind when you need it most.

What should I do if I think I may have a TPD claim?

The first step is to contact us for a free consultation. Bring in a copy of your policy and we will assess your eligibility for TPD benefits and discuss your options. We can also help you gather the necessary documentation to support your claim, and carefully complete your application for TPD. It is imperative the application is completed correctly as failure to do so may result in a claim being rejected.

The completed claim form together with supporting documentation is then submitted to your insurance company for approval and payment. 

In the event the insurance company denies your claim, we can commence litigation against them to enforce the policy and payment.  

We are able to provide our legal services on a ‘no-win, no-fee’ basis.

Contact us as soon as you think you have a claim

Your first step with us is free