Total & Permanent Disability

TPD insurance is a coverage that most superannuation funds offer on a member’s existing policy. TPD cover is a benefit additional to the contributions made to your usual superannuation fund.

In order to qualify for a TPD claim you must meet the definition under your Policy which speaking generally means that you are totally and permanently unable to work in your usual occupation based on your current education, training and experience.

To make a TPD claim you will need to submit the relevant forms as required by your superannuation fund. Completing these forms can be difficult and we would recommend you consult with one of our experienced solicitors so that they can assist you.

You should make enquiries with your superannuation fund as to whether or not you have TPD cover. If you have a recent statement from your fund, it should be listed on the statement.

Each policy has their own definition and eligibility requirements, however generally speaking you must show that you are totally and permanently unable to work in your usual occupation based on your current education, training and experience.

TPD benefits vary under different policies. Contact us and arrange for us to review your policy for more information.

TPD claims can take anywhere between six months to 2 years if it is a difficult claim.

The cost to make a TPD claim is subjective to each claim. Contact our office to discuss your options.