Total and Permanent Disability (TPD) Claims Lawyers
If you can no longer 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 is where you seek benefits from an insurance company because you can no longer work due to injury or illness.
Under most superannuation policies, TPD cover is automatically included alongside your retirement savings. It exists to provide financial support if life takes an unexpected turn, and you are permanently unable to earn an income.
You do not need to prove that your condition occurred at work, in a car accident, or through the fault of another person. This is how TPD claims differ from other compensation claims.
The focus of a TPD claim is your ability — or rather inability — to return to work in your usual occupation, or any other work suited to your education, training, or experience.
At AX Compensation Lawyers, we understand how overwhelming it can be to suddenly face an uncertain future. Our team is here to help you understand your entitlements under your policy, gather the necessary medical evidence, and guide you through every stage 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.
At AX Compensation Lawyers, we make sure your claim is properly assessed and that you are not pressured into accepting an outcome that does not reflect the true impact of your injuries.
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 — not just on your finances, but also on your independence, self-esteem, and future plans.
A successful TPD claim can help ease some of these pressures by providing financial support as you adjust to a new way of life.
You can claim for:
Your TPD payout is intended to provide financial security and assist with the costs of:
- Lost wages and income.
- Medical treatment and rehabilitation costs.
- Home or vehicle modifications, if needed.
- Everyday living expenses.
- Long-term care and future financial planning.
How Much Can You Claim?
The amount you can claim will depend on the level of TPD cover attached to your superannuation fund or insurance policy at the time you ceased work. At AX Compensation Lawyers, we will carefully review your policy documents, explain your full entitlements, and help you claim the compensation you need to protect your future. We understand that no sum can fully compensate for the challenges you are facing — but having financial security in place can help you focus on your well-being and recovery without the added burden of financial uncertainty.
How AX Compensation Lawyers Can Help With TPD Claims
Obligation Free Consultation
We offer an obligation free consultation to assess your TPD claim and explain your options. We’ll also clearly outline how our No Win, No Fee arrangement works, including covering upfront costs like medical reports and specialist assessments.
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 / 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.
We negotiate directly with insurers to secure a fair outcome that reflects your situation.
If a fair agreement cannot be reached, we are fully prepared to escalate your claim further to protect your rights.
Our Promise to Queenslanders
Helping Queenslanders Secure Fair Compensation is more than a slogan—it’s our guiding principle. We believe everyone deserves high-quality legal support, regardless of their situation. Whether you’ve experienced a workplace injury (WorkCover), a motor vehicle accident (CTP claim), TPD-related issues, or another personal injury, our team will walk you through the legal process so you understand your rights and options at every turn.
We Keep It Straightforward
The legal system can feel overwhelming, but it doesn’t have to be. We break down each phase of your claim into clear, practical advice tailored to you, ensuring you’re never left in the dark.
Committed to Your Future
Every claim is unique, and we focus on securing the best possible outcome for your individual needs. If obstacles arise, we stay the course and explore every viable pathway until we’ve done all we can for you.
Fair Compensation at the Heart of What We Do
We don’t promise quick wins or exaggerated outcomes — we focus on what truly matters: securing the compensation you’re entitled to under Queensland law. Every case we take on is handled with care and respect, because we know that behind every claim is a person rebuilding their life. Our role is to guide you through the process, advocate for your rights, and work toward a fair and sustainable outcome — no more, no less.
Accessible and Flexible Services
We believe in making legal assistance convenient and inclusive. You can choose an in-office consultation, schedule a video conference, or request a home visit—whichever suits you best. We offer No Win, No Fee on all personal injury claims, so you won’t pay our legal fees unless your claim is successful, giving you confidence and peace of mind.
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
What is a Total and Permanent Disability (TPD) claim?
A TPD claim allows you to access a lump sum insurance benefit if you are permanently unable to return to work due to a physical injury, illness, or a psychological condition.
This cover is often included in your superannuation fund, and the criteria can vary depending on the wording of your specific policy.
Am I eligible to make a TPD claim?
You may be eligible to make a TPD claim if:
You had TPD insurance cover (usually through your superannuation fund) at the time you stopped working, and
You are now permanently unable to return to your usual job or any other work that matches your experience, training, or education.
Eligibility depends on the specific terms of your policy. We can help review your super fund and insurer documents to assess whether you qualify.
What injuries or illnesses qualify for a TPD claim?
A wide range of conditions may qualify for a TPD claim, depending on your policy. These include:
Physical injuries — such as spinal damage, brain injuries, amputations, or chronic pain
Serious illnesses — including cancer, stroke, heart disease, or degenerative conditions
Psychological conditions — such as PTSD, major depression, anxiety disorders, or other mental health impairments
The key factor is whether your condition permanently prevents you from returning to work in your usual role — or any other job you are reasonably suited for based on your training and experience.
Can I lodge multiple TPD claims?
Yes. If you have more than one superannuation fund or insurance policy that includes TPD cover, you may be able to lodge multiple claims — one with each insurer.
Many people are unaware they hold TPD cover through more than one fund, especially if they’ve changed jobs over the years. We can help identify all possible policies and guide you through the claims process for each.
How long does a TPD claim take?
While some TPD claims can be resolved within 12 months, the timeframe can vary significantly depending on your individual circumstances. In more complex cases, or where further medical evidence or clarification is needed, the process can take 2 to 3 years or more.
Every claim is different. Factors like the nature of your condition, the quality of evidence provided, and the insurer’s response times can all affect how long your claim takes. We’re here to guide you through every step and work to keep your claim moving forward.
What happens if my TPD claim is denied or delayed?
If your TPD claim is denied or significantly delayed, you still have options. You may be able to:
Request an internal review from the insurer
Lodge a formal complaint with the Australian Financial Complaints Authority (AFCA)
Take legal action to challenge the decision
Delays and denials can happen for a range of reasons — sometimes even when the claim is valid. Our team can review the insurer’s decision, identify what’s needed to strengthen your case, and help you take the next step with confidence.
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?
You’re not legally required to use a lawyer — but having experienced legal support can make a significant difference. TPD claims often involve complex policy wording, strict evidence requirements, and tight timeframes. A lawyer can help you:
Understand your entitlements
Gather the right evidence
Navigate insurer delays or disputes
Maximise your chances of a successful outcome
We take care of the process so you can focus on your health and future — not on paperwork or insurance back-and-forth.
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.
