Your Local TPD Lawyers Perth

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.

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.

To make a TPD claim, injured people often start the process by contacting the policy provider through insurance company, or your insurance broker about your TPD claim.

• If your TPD insurance is a part of your superannuation fund. Please contact the super fund directly.
• If your TPD insurance is a part of your employment arrangement. It is important to speak to the employer who take out the policy on your behalf.

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.

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.

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.

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

Statewide. We help Perth metro and regional WA – in person or remotely – for ICWA motor accidents, WorkCover WA claims and public liability. Book a free consult.

WA Locations we regularly serve:

• Perth Metro (within ~100km of CBD; incl. Midland, Malaga)
• Albany – Great Southern
• Broome – Kimberley
• Bunbury – South West
• Busselton – Capes Region
• Geraldton – Mid West
• Kalgoorlie-Boulder – Goldfields
• Karratha – Pilbara
• Northam – Wheatbelt
• Port Hedland – Pilbara

Personal injury claim focus areas:

• ICWA motor vehicle accident claims
• Workers’ compensation (WorkCover WA)
• Public liability claims
• Medical negligence
• Fatal injury (wrongful death)
• Criminal Injuries Compensation (victims of crime)
• Catastrophic injuries
• TPD & Insurance claims

→ See the common injuries we handle. Book a free consultation.

Start here: our WA Personal Injury FAQs, the Foyle Legal Blog, and our podcast. Plain-English guides, updates, and real WA case insights.

• WA Personal Injury FAQs — quick answers on ICWA, WorkCover WA, public liability, time limits, payouts.
• Foyle Legal Blog — latest WA claim tips, case studies, and insurer tactics.
• Podcast: Personal Injury Claims Explained — short episodes on WA claims you can listen to anytime.

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