Guiding you through your TPD claim.
If illness or injury has left you unable to work, you may be able to access a Total and Permanent Disability (TPD) benefit through your superannuation policy. We’re here to guide you through the process, explain your options, and help you secure the financial support you need.
Understanding TPD claims and eligibility
A Total and Permanent Disability (TPD) claim lets you access a lump sum payment through your superannuation if illness or injury means you can no longer work. This is separate to your account balance.
You may be eligible if:
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You have superannuation with TPD insurance cover.
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You’re unable to work due to a physical or mental condition.
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Your condition meets the definition of TPD in your policy.
A successful claim can provide a lump sum to ease the financial impact of being unable to work, helping with medical expenses, living costs, debts, or lifestyle adjustments like home modifications or mobility aids. Because every policy is different, it’s important to review your cover or get legal advice to confirm your eligibility.
The key steps in the TPD claim process
A TPD claim can provide vital financial support during a challenging time. If you’re considering making a claim, we’re here to guide you through the process and help you achieve the best possible outcome. Here’s how we support you through each step:
We’ll examine your superannuation policy to confirm you have TPD cover and explain the eligibility criteria in plain language.
Our team works with your doctors and medical specialists to collect the reports and documentation needed to support your claim.
We handle communication with your superannuation fund, ensuring they have all the information they need to start your claim.
We prepare and review your claim forms, attach supporting documents, and make sure everything is accurate and complete before submission.
We submit your claim to the superannuation fund and manage any follow-up requests or independent medical assessments on your behalf.
We guide you while your claim is assessed. If it’s approved, we help you access your payment smoothly. If it’s denied, we explain your options and assist with any appeals.
"Caroline and her team are responsive, supportive and highly professional at all times.
She and her team were amazingly easy to work with, efficient, proactive and really patient with all of my questions along the way. I cannot recommend Grainger Legal more highly!"
- Leah B
No Win, No Fee for eligible TPD claims
Worried about the cost of making a TPD claim? With our No Win, No Fee policy for eligible claims, you won’t pay our professional fees unless your claim is successful.
Here’s what that looks like for you:
No upfront fees: Nothing to pay when you start your claim.
Clear agreements: We’ll provide a straightforward Conditional Legal Costs Agreement so you know exactly what to expect.
Disbursements: Expenses such as medical reports and assessments can be covered by us until your claim is finalised, depending on the nature of your case.
Helping you pursue your claim with confidence, free from financial stress.
FAQs: Your questions answered
Time limits vary depending on your superannuation fund, so it’s best to act as soon as possible.
It depends on the definition of 'TPD' in your policy. In most cases, TPD claims require you to be unable to work in any capacity, but this is not universal. Check your policy for specific details.
You can appeal the decision through your superannuation fund’s internal review process, or appeal a decision externally via the Austalian Financial Complaints Authority or to Court if necessary.
Yes, if you have TPD cover with multiple superannuation funds, provided the cover doesn't prohibit it, you may be able to claim from each one.
The timeline varies but can take several months, depending on the complexity of your case and the fund’s assessment process.
