Understanding TPD Claims

4 min. readlast update: 01.18.2025

What is a TPD Claim?

A Total and Permanent Disability (TPD) claim allows you to access a lump sum payment from your superannuation fund if you can no longer work due to a serious illness or injury. This payment offers essential financial support for medical bills, daily living expenses, or debt repayments.

Most Australian superannuation funds include TPD insurance, but eligibility, coverage, and payout amounts vary by policy. At Claimsplus Lawyers, we simplify the complexities of TPD claims, ensuring you secure the maximum benefits you're entitled to.


Eligibility Criteria for a TPD Claim

Inability to Work

You need to prove you’re unable to return to your previous job or any role aligned with your education, training, or experience.

Medical Evidence

Your claim must be supported by certification from two medical professionals confirming the permanence of your condition.

Cease Work Date

Your official stop-work date must align with medical documentation to strengthen your claim.

Waiting Period

Most policies require a waiting period of 3–6 months before you can lodge a TPD claim.

Active Insurance Coverage

Your superannuation account must have been active, with insurance coverage in place, when the injury or illness occurred.

Claimsplus Lawyers will review your policy, help assess your eligibility, and guide you through the claim process with a free claim check.


Understanding TPD Definitions: Any Occupation vs. Own Occupation

Any Occupation

This definition requires proof that you are unable to perform any job for which you are reasonably qualified based on your education, training, or experience. It is stricter and more common in superannuation-linked policies.

Own Occupation

Under this definition, you qualify if you cannot return to the specific job you were performing before your injury or illness. While easier to claim, it is less common in superannuation policies.

Our team can clarify your policy and help you navigate its nuances.


How Much Will You Receive in a TPD Payout?

Factors Affecting Your Payout

The amount you’ll receive depends on several factors, including:

  • The level of insurance cover selected when joining your super fund.
  • Adjustments to your policy over time.
  • Age-based coverage reductions as you near retirement.

Payout Range

Most TPD payouts range from tens to hundreds of thousands of dollars. Claimsplus Lawyers is dedicated to ensuring you receive the maximum payout. The average was $136,000 in 2020.


Why TPD Claims Are Rejected

Common Reasons for Rejection

Even if you meet eligibility criteria, your claim could be rejected due to:

  • Insufficient Medical Evidence: Lack of documentation proving your condition is permanent.
  • Incorrect Cease Work Date: Misalignment between your stop-work date and medical records.
  • Pre-existing Conditions: Some policies exclude claims related to pre-existing conditions.
  • Lapsed Coverage: Inactive super accounts or unpaid premiums may void your insurance.

How We Help

Our experts specialise in identifying and addressing these issues, giving you the best chance of a successful claim.


How to Lodge a TPD Claim

Step-by-Step Process

  1. Gather Medical Evidence: Obtain reports from two qualified doctors.
  2. Complete Claim Forms: Fill out your super fund’s TPD forms with accurate information.
  3. Submit Documentation: Include all required medical and financial records.
  4. Insurer Review: The insurer assesses your claim, which may take several months.
  5. Claim Decision: If approved, you’ll receive a lump sum payout. If rejected, we can help you appeal.

Let Us Handle the Process

Claimsplus Lawyers manages every step to ensure your claim is submitted correctly and efficiently.


Why Choose Claimsplus Lawyers for Your TPD Claim?

Our Services

  • Free Claim Check: Assess your policy and eligibility at no cost.
  • Document Preparation: Manage all paperwork and ensure all evidence is complete.
  • Claim Disputes: Challenge rejections and negotiate with insurers on your behalf.
  • Maximum Payout: We aim to secure the highest possible payout for your claim.

Get Started Today

Contact us for a free claim check or call to discuss your case. Let us handle the complexities so you can focus on your recovery.


Contact Claimsplus Lawyers Today

For expert guidance on superannuation claims and entitlements, contact us today:

Phone: 1800 252 460
Email: claims@claimsplus.com.au
Website: https://claimsplus.com.au

Let us help you navigate your super claims and secure the financial support you deserve.


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