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Email info@injuryassisthelpline.com
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 Injury Assist Helpline, 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.
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 Injury Assist Helpline, 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.
There are generally two different definitions used in TPD policies:
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.
Your TPD payout is intended to help cover:
The amount you can claim depends on the level of TPD cover attached to your superannuation fund or insurance policy at the time you ceased work.
We carefully review your policy, explain your full entitlements, and help you claim the compensation needed to protect your future.
At Injury Assist Helpline, 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 by providing clear, compassionate support — from claim lodgement to settlement.
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.
Once we confirm you have a valid TPD claim, we handle the lodgement process for you.
To support your claim, we assist in gathering:
We guide you through every step to ensure your claim is fully supported.
If required, we arrange independent medical assessments to help demonstrate:
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.
Helping Clients 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.
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.
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.
We don't promise quick wins or exaggerated outcomes — we focus on what truly matters: securing the compensation you're entitled to under 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.
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.
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.
You may be eligible to make a TPD claim if:
Eligibility depends on the specific terms of your policy. We can help review your super fund and insurer documents to assess whether you qualify.
A wide range of conditions may qualify for a TPD claim, depending on your policy:
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.
Yes. If you have more than one superannuation fund or insurance policy that includes TPD cover, you may be able to lodge multiple claims.
Many people are unaware they hold TPD cover through more than one fund. We can help identify all possible policies and guide you through each claim.
Some TPD claims resolve within 12 months. More complex claims may take 2 to 3 years or longer.
Timeframes depend on your condition, the quality of evidence, and insurer response times. We work to keep your claim moving forward.
If your claim is denied or delayed, you may still be able to:
We can review the insurer's decision and help strengthen your case.
Some policies allow limited work after a payout. We can advise you based on your specific policy.
You're not legally required to use a lawyer, but TPD claims involve complex policy wording, strict evidence, and tight deadlines.
We handle the process so you can focus on your health and future.
Helping Clients 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 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.
Navigating a personal injury claim can be daunting. Our team simplifies the process by helping you understand your entitlements—whether you've suffered a work accident (WorkCover), a road incident (CTP claims), or a public space injury. We guide you every step of the way to secure a fair outcome, ensuring you feel supported throughout your recovery.
We assist Clients with a range of personal injury claims, ensuring you receive the compensation you're entitled to. Whether it's a motor vehicle accident, workplace injury, public liability claim, TPD claim, or any other personal injury matter, our experienced team is here to guide you through the process.
