TPD Lawyers for Superannuation Disability Claims

TPD stands for Total and Permanent Disability. It is an insurance policy built into most superannuation funds. If an injury or illness prevents you from ever returning to work, this policy pays out a substantial lump sum. This payout is in addition to your actual superannuation account balance and is often worth hundreds of thousands of dollars.

TPD is not just for workplace accidents or car crashes. It covers any condition that permanently stops you from working. This includes physical injuries (like spinal damage), chronic illnesses (like cancer, multiple sclerosis, or chronic fatigue), and severe psychological conditions (like severe depression, anxiety, or PTSD).

Super funds will try to judge you against strict definitions. “Own Occupation” means you can’t return to your specific job. However, most policies are “Any Occupation,” meaning the insurer will argue you can do some kind of work based on your past education or experience. We specialize in building the precise medical and vocational evidence needed to defeat the “Any Occupation” trap.

Did you know that if you have multiple superannuation accounts, you likely have multiple TPD policies? You can often make a claim on every single policy you held on the date you stopped working. This can double or triple your total payout. We conduct comprehensive, free superannuation searches to locate every dollar you are owed.

If your inability to work was caused by a car accident or a workplace incident, a TPD claim can be run at the exact same time as your TAC or WorkCover claim. This provides a crucial, additional layer of financial compensation that many lawyers overlook.