TPD Claims Lawyers Sunshine Coast
If you are unable to work due to serious injury, illness, or psychological trauma, you may be entitled to a Total and Permanent Disability (TPD) insurance payout.
What Is a Total and Permanent Disability (TPD) Claim?
A Total and Permanent Disability (TPD) claim allows you to access benefits from your insurance company if you can no longer work because of injury, illness, or psychological conditions.
In most cases, TPD cover is included with your superannuation policy. It’s designed to offer financial security if life takes an unexpected turn and you are permanently unable to earn an income.
Unlike other types of claims, you do not need to prove that your injury occurred at work, in a car accident, or through someone else’s fault. Instead, a TPD claim focuses on whether you are permanently unable to return to your usual job or any other role suited to your education, training, or experience.
At AX Compensation Lawyers Sunshine Coast, we understand how overwhelming it can be to face an uncertain future. Our local team is ready to help you understand your entitlements, gather the necessary medical evidence, and guide you through every step of the TPD claims process with compassion and clarity.
The Support You Need
We believe everyone should have access to quality legal help, regardless of finances. That’s why we offer a No Win, No Fee arrangement: you won’t pay our legal fees unless we secure compensation on your behalf.
Am I Entitled To Make a TPD Claim?
Whether you can make a TPD claim depends on several important factors.
Each insurance policy sets out specific terms and conditions that must be met in order for the policy to be paid out.
TPD policy definitions
There are generally two different definitions that are used in TPD policies:
- That the worker is unable to return to the occupation they were employed in at the date of disablement (known as the “own occupation” definition).
- That the worker is unable to work in any occupation for which they are reasonably suited by their education, training, experience, or qualifications (the “any occupation” definition).
You may be entitled to make a TPD claim if:
- You held TPD insurance (whether through your superannuation fund or under a separate policy) at the time you stopped working.
- You are permanently unable to return to your job or any other role you might be suited to based on your education, training, or experience.
- Your condition has been confirmed as permanent.
- You have medical evidence that your condition makes you unfit for work.
- You have satisfied any waiting periods required under your policy.
- You meet any other policy requirements, such as age or minimum membership criteria.
What Compensation Can I Claim Through a TPD Benefit?
Being unable to work due to a permanent injury, illness, or psychological condition can have a devastating impact — affecting not only your finances, but also your independence, confidence, and future goals.
At AX Compensation Lawyers Sunshine Coast, we understand these challenges. Our team is here to help you secure the financial support you are entitled to, so you can focus on your recovery and your future.
You can claim for:
- Lost wages
- Medical treatment and rehabilitation costs.
- Home or vehicle modifications, if needed.
- Everyday living expenses.
- Long-term care and future financial planning.
The amount you can claim depends on the level of cover attached to your superannuation or insurance policy at the time you ceased work.
Our Sunshine Coast TPD claims team will carefully review your policy documents, explain your full entitlements, and guide you through every step of the claims process. Our goal is to help you claim the compensation you are entitled to under Queensland law, with care and clarity at every stage.
How AX Compensation Lawyers Can Help With TPD Claims
At AX Compensation Lawyers, we understand how life-changing it can be when an injury, illness, or psychological condition prevents you from working.
Our experienced TPD lawyers are here to make the legal process straightforward, guiding you every step of the way while you focus on your recovery.
We help clients throughout Queensland by providing clear, compassionate support — from claim lodgement to settlement.
Obligation Free Consultation
We offer an obligation-free consultation to assess your TPD claim and explain your legal options. During this initial discussion, we’ll review your superannuation policy and circumstances to help determine whether you’re eligible to make a claim.
We operate on a No Win, No Fee basis, meaning you won’t need to pay our legal fees unless your claim is successful. Additionally, we cover upfront disbursements, such as the cost of obtaining medical reports and specialist assessments, so you can proceed with confidence and without financial stress.
Lodging the Claim
Once we confirm you have a valid TPD claim, we handle the lodgement process for you. This includes:
- Liaising with your treatment providers.
- Preparing and submitting all required documents.
- Communicating directly with your superannuation fund or insurer.
Gathering Evidence
To support your claim, we assist in gathering:
- Medical reports and specialist assessments.
- Employment records.
- Insurance documentation.
- Any additional evidence needed to meet your insurer’s definition of TPD.
We guide you through every step to ensure your claim is fully supported.
Medical Assessments
If required, we arrange independent medical assessments to help demonstrate:
- The severity of your injury or illness.
- Your incapacity to return to any form of work.
- Your ongoing care and support needs.
Negotiation & Settlement
Most TPD claims are resolved without the need to go to court.
Our Sunshine Coast TPD lawyers will negotiate directly with your insurer to seek a fair and just outcome that recognises your circumstances and your future needs.
If a fair agreement cannot be reached, we are ready to stand by you and take further action to secure the compensation you deserve under Queensland law.
Visit AX Compensation Lawyers Sunshine Coast
If you’ve had to stop work due to illness or injury, you may be eligible to make a Total and Permanent Disability (TPD) claim through your superannuation. Our Sunshine Coast team helps locals access the support they deserve. Visit our Maroochydore office or reach out to learn how we can help.
A: Level 5, Foundation Place, 8 Market Lane, Maroochydore QLD, 4558
P: 07 5300 0145
E: info@axcomplaw.com.au
Choose Your Consultations
We understand that after an injury, it’s not always easy — or even possible — to attend a legal consultation in person. That’s why we offer flexible options to ensure you can get the support you need in a way that suits your circumstances. Whether you’re recovering at home or prefer to speak remotely, we’re here to help you take the next step
At Our Office
Video Conferencing
Home Visit
Check If You Qualify
Not sure if you qualify for compensation? Our free claim check offers a quick, no-obligation assessment—whether it’s a workplace injury (WorkCover), a motor vehicle incident (CTP), or a TPD claim. We’ll explain your options and guide you on the next steps—no strings attached.
Frequently Asked Questions About Total and Permanent Disability Claims
Am I eligible to make a TPD claim?
You may be eligible if you held TPD cover when you stopped working and cannot return to your usual occupation or any suitable role.
What injuries or illnesses qualify for a TPD claim?
Physical injuries, serious illnesses, and psychological conditions such as PTSD, anxiety, or depression.
Can I lodge multiple TPD claims?
Yes, if you have more than one superannuation fund or insurance policy with TPD cover, you may be able to lodge multiple claims.
How long does a TPD claim take?
Most claims are resolved within 6–12 months, depending on the complexity of your case and the insurer’s responsiveness.
What happens if my TPD claim is denied or delayed?
You have the right to seek an internal review, lodge a complaint with AFCA, or take legal action. Our team can guide you through this process.
Can I work again after receiving a TPD payout?
Some policies allow for limited work post-payout depending on the terms. We can advise you based on your specific policy.
Do I need a lawyer to lodge a TPD claim?
While not mandatory, having a lawyer improves your chances of a successful outcome and reduces the stress of dealing with insurers.
Ready to Discuss Your Claim?
At AX Compensation Lawyers, we provide compassionate support and expert legal representation to individuals injured in accidents across Queensland. Our dedicated team is committed to helping clients navigate the personal injury claims process with confidence and peace of mind.
