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Foyle Legal

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Total and Permanent Disability, TPD Claims Insurance Lawyers

TPD Claims & Superannuation TPD Insurance Cover

What is TPD Insurance?

Total and Permanent Disability, often abbreviated as TPD, is an optional insurance benefit which is commonly available through a superannuation fund but can also be obtained by an insured person outside of the superannuation system.

If a disease, accident, injury or illness has disabled you from working, you may be entitled to a TPD benefits through your superannuation (super fund). You may also be covered for a TPD lump sum compensation benefit through a private life insurance policy. If you have made a TPD superannuation claim, experienced insurance lawyers at Foyle legal can assist your TPD claim on No Win No Fee basis.

How do I find out if I have TPD insurance?

From time to time your Superannuation Fund will send you a member information statement which states how much cover you have for TPD, Death Benefit and income protection insurance. It is common that injured workers and victims of motor vehicle accidents do not to know that they have this TPD workers compensation disability cover as it is provided automatically when a worker joins a superannuation fund. If you do not have a member information statement you should be able to obtain your disability cover by request from your Superannuation Fund.

If you still do not know what to do, please consult a superannuation lawyer. Experienced TPD lawyers at Foyle Legal can contact your Superannuation Fund or life insurance provider and can let you know whether you have any TPD insurance cover or other sickness or accident benefits.

Total and Permanent Disability & TPD Insurance Claims

When can I claim Total and Permanent Disability / TPD insurance claim?

The circumstances under which you can make an insurance claim for TPD will vary depending on your policy of insurance, but in general a TPD claim can be made if:

  • You have ceased working as a result of a disease, accident, injury or illness; and
  • On the balance of probabilities you are unlikely to return to your work duties as a result of this disease, accident, injury or illness; and
  • You were under 65 years when you ceased work; and
  • You were a member of a Superannuation Fund at the time you ceased your employment and/or had TPD insurance at the time you became unwell.

The disease, accident, injury or illness does not have to come about for a specific reason.  People who have made a personal injury claim including workers’ compensation or motor vehicle injury compensation or people on the Centrelink Disability Support Pension can claim TPD as well as people who suffer an unexpected disease, accident, injury or illness that disabled them from working.

How do I make a Total and Permanent Disability / TPD claim?

In most TPD policies the person making a claim needs to show that on the balance of probabilities because of their disease, accident, injury or illness that they will permanently and totally disabled from returning the job that they had before the disease, accident, injury or illness or any other employment you have education, training or experience in.

Some TPD policies are occupation specific, and the insurer agrees to pay your TPD benefit if permanently and totally disabled from working in a specific occupation.

How can Foyle Legal Help with my Total and Permanent Disability TPD Claim?

It is important that you find out your entitlement at an early stage to ensure that you know about your benefits from your life insurance or superannuation fund, as well as the process of making a TPD claim and what to do if your claim is denied or delayed. Experienced insurance lawyers and superannuation lawyers at Foyle Legal can also assist you to have the decision reviewed or if necessary take court action on your behalf.

What superannuation and disability insurance benefits I am entitled to?

Superannuation and TPD insurance benefits can be substantial and may help to ease the financial burden to you or your family during the difficult time that follows death or disability.

Individual insurance policies vary in the level of coverage provided, the waiting period before claims can be made and the length of time benefits are payable.

No WIN NO FEE TPD Claim Insurance Lawyers

At Foyle Legal we offer a no obligation free first consultation for TPD claims matters and we take your matter on a no win no fee basis.


I underwent several years of being abused by passengers as a bus driver. Foyle legal helped mw to get the medical reports i needed in circumstances where my gp was slow in providing a more
Karen Nevard
Karen Nevard
Just received my settlement check in time for Christmas. I couldn't thank Christian enough for his assistance with my injury claim. There lots of factors made my claim difficult but Christian and Foyle Legal team dealt with professionalism and understanding. I am happy with my settlement outcome, and would definitely use them again for my future injury more
Anthony Daniels
Anthony Daniels
I was injured at work and had a workers Compensation claim. Foyle Legal Were very helpful and always got back to me about my queries in a relatively short period of time which I think you would not get in a larger firm. They advised me about the settlement of my case and help me to get the most out of itread more
Vijay Sourinathan
Vijay Sourinathan
I had a bad work injury to my knee and needed surgery. The insurer refuse to pay for the cost of my surgery and I had to go through WorkCover WA for an acceptance of liability to pay for the surgery. Foyle legal helped me to get the medical evidence that I needed to take the matter towards a finalisation of my more
Roxann Campbell
Roxann Campbell
I went to another lawfirm before I went to Foyle legal. At the other lawfirm I was treated like a number, but it won't legal they help to pay for my medical expenses to get the most out of my work is compensation claim and I answered all of my more
Daniela Colantropo
Daniela Colantropo
I had a workers compensation claim and the insurer wanted to fight me about whether I was entitled to weekly payments of compensation. Foyle Legal helped me to get medical evidence regarding my case, they were quick and very helpful and provided excellent service in relation to my personal injury more
Suman Thilak
Suman Thilak
Christian from Foyle Legal was very helpful given my lack of knowledge of the law in respect of workers compensation claims and I ended up with a better result than I ever more
Paul Beard
Paul Beard
Christian Foyle and Foyle Legal helped me a lot with my workers compensation claim and the doctors report they obtained was really helpful. If it was not for them i dont think I could have pushed my claim as more
Ajak Kuer Ajak
Ajak Kuer Ajak
I had a workers compensation claim which Foyle Legal helped me with. They helped me with the medical reports i needed and gave me emotional support and I am happy with the more
Lucinda Hogan
Lucinda Hogan
Christian Foyle from Foyle Legal helped me out with my workers compensation claim a lot. He was very professional, polite and courteous and very approachable. I am happy with the way Foyle Legal handled my claim and I got a fair outcome. Christian is one of the nicest people in legal services I have ever more
Theresa Southam
Theresa Southam
The service I received from Foyle Legal was second to none. Christian was well informed and quick to reply. Very happy how the case progressed and with the settlement I received. I would highly recommend Foyle more
Brendan Arthur
Brendan Arthur
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