Total and Permanent Disability, TPD Insurance Claims, TPD Lawyers
WA’s Top Local TPD Insurance Claim Law Firm in Perth. Helped Over 3000+ Clients to Maximise Compensation Payouts. We Can Help You!
6/2 Carson Road,
Malaga, WA 6090
Perth Lawyers for TPD Insurance Claims & TPD Payouts
Total and Permanent Disability (TPD) insurance is an lump sum insurance payment which becomes payable in the circumstances stated in the TPD policy. These circumstances are often that:
- the TPD policy holder is no longer able to work in any employment for which they have suitable education training and experience, and that unfitness is likely to continue for the foreseeable future (called an “any occupation” policy); or
- that TPD policy holder is no longer able to work in their insured occupation and that unfitness is likely to continue for the foreseeable future (called an “own occupation” policy).
To have TPD insurance a person needs TPD cover. In Australia TPD insurance is often provided for a payment regularly taken out from superannuation benefits. This kind of TPD cover is usually arranged by a person’s superannuation fund and is called a TPD group policy of insurance. Another way to take out TPD insurance is to buy private life insurance directly or through a retail provider (i.e. not through a Superannuation fund).
If a disease, accident, injury, or illness has stopped you from working, you may be entitled to TPD payouts through you TPD insurance cover. A TPD insurance payout can be difficult to obtain as it is often difficult to meet the definition of TPD in the TPD policy.
The amount of the TPD payout as well as the superannuation and TPD insurance benefits, as well as the definition of total and permanent disability can vary largely depending on your TPD insurance provider. TPD lawyers at Foyle Legal can help you with TPD insurance claims successfully on a NO WIN NO FEE basis.
If your Total and Permanent Disability is caused by workplace injury, motor vehicle accident injury, or other personal injury accidents. You are can claim TPD payouts regardless the outcome of your personal injury claims.
Don’t be intimidated by insurers, establishments and their lawyers.
If you have made a TPD claim, contact TPD lawyers at Foyle Legal. We can help you to:
- Have Your TPD Claim Approved!
- Negotiate a Fairer TPD Payout!
- Get the Evidence You Need!
- Progress Your TPD Claim Faster!
We Can Help With Your Fatal Accident Injury Compensation Claim
The effects of losing a loved one in a fatal accident are wide-ranging and devastating. Motor vehicle accidents and fatal injuries at work are the most common areas of fatal accident claims in WA. At Foyle legal, we act for most of the personal injury claims on No Win No Fee basis, and we ensure that individual circumstances and needs are taken into account to ensure that you receive the very best advice and maximise your fatal accident compensation claim.
Don’t be intimidated by insurers, establishments and their lawyers.
We will help you to act with confidence at every step of the process:
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Have Your Claim Accepted!
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Negotiate a Fairer Payout!
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Get the Evidence You Need!
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Progress Your Claim Faster!
NO WIN NO FEE – PEACE OF MIND!
No Win, No Fee means we don’t charge you legal fees unless we get you compensation.
Or call 
0408 727 343
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Or call 0408 727 343
Hundreds Of Customers Trust Foyle Legal
“I am particularly impressed by Foyle Legal because of I got work with the director directly. All lawyers in the office are very supportive of my injury compensation claim. Christian and the Foyle Legal team is knowledgeable, approachable, patient and willing work with my schedule. And above all, their costs were very reasonable. Highly recommended law firm.”
“I had a public liability claim and Foyle Legal were very helpful with the case. I previously got legal advice elsewhere and I was advised that the case was not worth pursing. Luckily, I found Foyle Legal to take on my claim. I would recommend Foyle Legal to other people in the same situation as I was happy with the advice they gave me and the outcome.”
Quick easy service, I only saw them twice and they dealt with the lot. I was initially offered no money from the Insurance Commission of Western Australia. After taking the matter to a Pre-Trial Conference I was able to get a settlement. I would recommend Foyle Legal for car accident injury claims with ICWA. They represented me well!”
“I had a workers compensation claim for both of my shoulders. Through Foyle Legal I experienced a professional legal team led by Christian Foyle which guided me through both medical examinations and legal advice to give me the best outcome. Christian was both knowledgeable and experienced in handling my claim. I have no hesitation in recommending Foyle Legal”
“I had two car accident claims through Foyle Legal. One with Allianz and another with the Insurance Commission of Western Australia. Christian from Foyle Legal has been a great assistance to me giving information and help and he helped me to get the most out of my claims. I would definitely recommend them to anyone who is looking for a lawyer.”
“My claim was pended had no income. Foyle legal helped me on a no win no fee basis by lodging a Conciliation application with WorkCover to have my workers compensation claim accepted. The claim was accepted before Conciliation. I have been on compensation for 2 years and life would have been very hard if Foyle Legal didn’t help to get my claim accepted.”
“Life is full of up and downs. Over the past few years, I consulted the Christian Foyle on numerous occasions regarding workers’ compensation claims, car accidents compensation claims. He helped me to get the compensation I deserved. The no win no fee policy helps me to focus on the injury claim. He is my most trusted compensation lawyer in Perth.“
“I found Foyle Legal taking on cases for the under dog that was tedious and drawn out. I would recommend this legal firm very highly to any one who is seeking an honest and up front legal service when it comes to dealing with workers compensation claims. You couldn’t be in better hands. I trust them completely and got a good outcome!”
“Life can and did change in an instant! Due to a motorist not paying attention. Foyle Legal stepped in on my behalf and secured a very acceptable settlement for my Pain, Suffering and Future economic loss. His knowledgeable, caring and understanding approach was reassuring and proved to be the essence of our successful claim. I recommend his services!”
“I engaged Foyle legal lawyers for my workers’ compensation claim in WA. Three weeks later, they represented me well at the Conciliation hearing in WorkCover WA and an order was made that the workers comp insurer to pay me $8000. I am very impressed with their knowledge of Workers’ Compensation and quick results.”
How Do I Find Out If I have TPD Insurance Cover?
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 TPD workers compensation disability cover as it is often 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 TPD insurance cover details by request from your Superannuation Fund.
If you still do not know what to do, please consult a superannuation lawyer at Foyle Legal. The 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.
Or call 0408 727 343
The Key to a Successful TPD Claim
The definition of Total and Permanent Disability is inconsistent and varies from ont TPD policy to the next. It is important to understand the subtle differences between policies and what it means to your TPD claims. The key to a successful TPD claim is to prepare your claim right from day one. Having an experienced TPD claim lawyer will help you to:
- Understand your rights and benefits better. This will help to manage your own expectations as to the outcome.
- Make the claim process less stressful so that you can focus on other important aspects of your life.
- Advise as to other rights and benefits you may have to protect your interests.
- Prepare the claim professionally and gather the right evidence, so that your claim can be accepted at the first go.
- If your claim is rejected, an experienced TPD lawyer can help you to appeal the decision or challenge the decision.
TPD Claims Rejected – What Next?
If the insurer declined your TPD claim, here are the steps that Foyle Legal may take to get rejected TPD claim approved.
- Review TPD Insurers decision and address the insurer’s concerns.
- If appropriate, lodge official complaint with your TPD provider.
- If appropriate, lodge a complaint with the Australian Financial Complaints Authority (AFCA).
- As the last resort in some circumstances, commencing legal proceeding in court to get you a TPD claim payout.
Throughout the entire TPD claim process, Foyle Legal will be there every step of the way to make sure we get you a fair compensation payout as fast as possible.
Or call 0408 727 343
Total and Permanent Disability & TPD Insurance Claims
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.
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?
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.
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.
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.
No WIN NO FEE TPD Claim Insurance Lawyers
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.
We’re Here To Help.
Call 0408 727 343 for immediate over the phone assistance. Alternatively, please complete the form. One of our lawyers will contact you shortly.
- No Win No Fee Lawyers Nothing to pay upfront, no hidden costs
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- We Know How To Win We help clients to flight back against insurers every day
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Foyle Legal Provides Legal Services to all of WA
What suburbs in Perth does Foyle Legal provide legal representation to?
Looking for best personal injury & workers compensation lawyers near me in Perth? Foyle Legal provides legal presentation to Workcover claims, workplace injury claims, work accident claims, accident injury claims, and all personal injuries clients all over Perth. It includes but not limited to north of river, south of the river, Perth city areas, eastern suburbs, western suburbs and Fremantle areas.
North of the river – Northern Suburbs
Ballajura – Bassendean – Bayswater – Beechboro – Carine – Carramar – Clarkson – Connolly – Currambine – Dianella – Doubleview – Duncraig – Eden Hill – Edgewater – Embleton – Glendalough- Greenwood – Gwelup – Heathridge – Hillarys – Inglewood – Innaloo – Joondalup – Kallaroo – Karrinyup – Kingsley – Landsdale – Maida Vale – Malaga – Marangaroo – Mindarie – Mindarie Keys- Morley – Mullaloo – Munster – North Beach – Osborne Park – Padbury – Scarborough – Shenton Park – Sorrento – Trigg – Tuart Hill – Wanneroo – Warwick – Waterman – Wembley Downs – Woodlands – Woodvale – Yanchep
South of the River – Southern Suburbs
Alfred Cove – Applecross – Ardross – Attadale – Bateman – Beaconsfield – Beeliar – Bentley – Bibra Lake – Bicton – Booragoon – Bullcreek – Canning Bridge – Canning Vale – Cannington – Casuarina- Cockburn – Como – Coogee – East Victoria Park – Forrestdale – Gosnells – Jandakot – Karawara – Kelmscott – Kwinana – Melville – Mount Pleasant – Palmyra – Shelley – Spearwood – Success – Wattle Grove – Welshpool – Willetton – Wilson – Winthrop
Perth Inner City
Burswood – CBD/Northbridge – East Perth – Highgate – Leederville – Maylands – Mount Hawthorn- Mount Lawley – North Perth – South Perth – Subiaco – Victoria Park – West Leederville – West Perth – CBD – Kings Park – Northbridge – Perth
Eastern Suburbs
Ascot – Belmont – Carlisle – Kewdale – Newburn – Redcliffe – Rivervale
Western Suburbs
Churchlands – City Beach – Claremont – Cottesloe – Crawley – Daglish – Dalkeith – Floreat – Mosman Park – Mount Claremont – Nedlands – Swanbourne – Wembley
Fremantle
East Fremantle – Fremantle – Hamilton Hill – North Fremantle – O’Connor – South Fremantle
Does Foyle Legal provide Legal Representation to surrounding areas of Perth?
Yes, Foyle Legal extends legal presentation to surrounding areas of Perth. This include but limited to Avon Valley, North Coast & Valleys, Peel areas, Perth Hills, Rottnest Island, and Swan Valley.
Avon Valley
Avon Valley – New Norcia – Northam – Other Avon Valley Areas – Toodyay – York – Clackline – Wooroloo
North Coast & Valleys
Bindoon – Chittering – Gingin – Guilderton – Lancelin – Ledge Point – Lower Chittering – Moore River – Neeragabby – Upper Chittering – Wanerie – Woodridge
Peel Region
Mandurah – Peel Coast – Peel Inland – Baldivis – Barragup – Boddington – Dawesville – Dwellingup- Falcon – Greenfields – Halls Head – Karnup – Mandurah – Mandurah East – Meadow Springs – Pinjarra – Port Kennedy – Quindanning – Ravenswood – Rockingham – Rockingham Beach – Safety Bay – Secret Harbour – Serpentine – Shoalwater – South Yunderup – Wannanup – Waroona- West Pinjarra
Perth Hills
Armadale Area – Bickley – Carmel Wine Region – Kalamunda Area – Mundaring Area – Other Perth Hills Areas – Serpentine – Jarrahdale Area – Armadale – Bedfordale – Bickley – Byford – Carmel – Chidlow – Darling Downs – Darlington – Forrestfield – Gidgegannup – Glen Forrest – Gooseberry Hill – Greenmount – High Wycombe – Hovea – Jarrahdale – Kalamunda – Karragullen – Lesmurdie – Mount Helena – Mundaring – Mundijong – Orange Grove – Parkerville – Paulls Valley – Pickering Brook – Roleystone – Stoneville – Wungong
Swan Valley
Baskerville – Belhus – Bellevue – Brigadoon – Bullsbrook – Caversham – Ellenbrook – Guildford – Hazelmere – Henley Brook – Herne Hill – Middle Swan – Midland – Midvale – Millendon – South Guildford – Swan Valley – The Vines – Upper Swan – Viveash – West Midland – West Swan – Whiteman
Does Foyle Legal provide legal service to clients in Regional WA?
Yes, we service all of WA, including remote or regional areas of Western Australia.
Caiguna – Cocklebiddy – Madura – Mundrabilla – Esperance – Woody Island – Goldfields – Balladonia – Boulder – Broad Arrow – Coolgardie – Cue – Gwalia – Kalgoorlie – Kalgoorlie-Boulder – Kambalda – Kookynie – Laverton – Leonora – Menzies – Murchison – Norseman – Warburton – Hopetoun – Munglinup – Ravensthorpe – Wheatbelt – Bolgart – Broomehill – Caballing – Corrigin – Gnowangerup – Holleton – Hyden – Kulin – Lake Grace – Lake Yealering – Merredin – Mullewa – Narembeen – Narrogin – Nungarin – Wagin – Wandering – Watheroo – Williams – Coral Coast – Cervantes to Dongara – Badgingarra – Cervantes – Dongara – Eneabba – Green Head – Jurien – Leeman – Mingenew – Port Denison – Coral Bay – Exmouth – Ningaloo Reef – Abrolhos Islands – Carnamah – Geraldton – Greenough – Northampton – Kalbarri – Port Gregory – Carnarvon – Denham – Monkey Mia – Shark Bay – North West – The Kimberley – Broome Peninsula – Broome – Cable Beach – Roebuck – Dampier Peninsula – East Kimberley – Halls Creek – Kununurra – Lake Argyle – Warmun – Wyndham – West Kimberley – Derby – Fitzroy Crossing – The Pilbara – Karijini -Pilbara Coast – Dampier – Karratha – Onslow – Point Samson – Port Hedland – Roebourne – South Hedland – Thevenard Island – Wickham – Pilbara Outback – Marble Bar – Newman – Pilbara – South West – Blackwood River Valley – Balingup Area – Balingup – Mullalyup – Boyup Brook Area – Boyup Brook – Bridgetown / Greenbushes Area – Bridgetown – Greenbushes – Nannup Area – Jalbarragup – Nannup – Geographe / Bunbury – Bunbury Area – Australind – Bunbury – Eaton – Collie River Valley Area – Collie River Valley – Donnybrook / Capel – Capel – Donnybrook – Glen Mervyn – Kirup – Peppermint Grove Beach – Ferguson Valley Area – Dardanup – Ferguson Valley – Wellington Mill – Wellington Mills via Dardanup – Harvey Area – Binningup – Cookernup – Harvey – Myalup – Preston Beach – Yarloop – Great Southern – Albany Coast – Albany – Big Grove – Bornholm – Emu Point – Little Grove – Middleton Beach – Redmond – Robinson – Bremer Bay Coast – Bremer Bay – Denmark Coast – Bow Bridge – Denmark – Golden Hill – Hazelvale – Kentdale – Nornalup – Frankland River – Frankland – Kojonup – Mount Barker / Porongurup – Amelup – Cranbrook – East Porongurup – Kendenup – Manypeaks – Mount Barker – Narrikup – Porongurup – Margaret River – Busselton/Vasse – Broadwater – Busselton – Geographe – Vasse – Dunsborough/Yallingup – Bunker Bay – Cape Naturaliste – Carbunup – Carbunup River – Dunsborough – Eagle Bay – Marybrook – Naturaliste – Quedjinup – Quindalup – Yallingup – Margaret River Central – Forest Grove – Forest Grove via Margaret River – Gnarabup – Gnarabup Beach – Karridale – Margaret Region – Margaret River – Prevelly Park – Rosa Glen – Margaret River North – Chapman Hill – Cowaramup – Gracetown – Metricup – Wilyabrup – Witchcliffe – Yelverton – Margaret River South – Augusta – Kudardup – Southern Forests – Manjimup Area – Donnelly River – Manjimup – Nyamup – Quinninup – Northcliffe Area – Pemberton Area – Pemberton – West Pemberton – Walpole Area – North Walpole – Walpole
We are very happy with Foyle Legal and the help they provided to us with my husbands claim. I would definitely recommend them.
Anthea Tau-Tamatoa
02:50 06 Nov 20
The insurer made an offer to settle my workers comp claim. I called Foyle Legal because I didn't know if it was right. Foyle Legal helped me to settle the claim for more than the insurer offered so I am happy with them and I will recommend Foyle Legal to people in the same position.
Ceejay Tamatoa
02:45 06 Nov 20
My workers compensation claim was not accepted by the insurer and the doctor said I had no real problem. Foyle legal helped me to negotiate a settlement and helped me with mandarin translation as I cannot speak English well. I am happy with the outcome too as it is higher than I thought. Thank you very much for your help. I will recommend Foyle legal for injury compensation claim.
Cindy Zhu
05:08 29 Oct 20
I had A workers compensation claim which was very difficult, Foyle Legal helped me to get the medical evidence that I needed in relation to my claim and I am very happy with the outcome.
I would recommend Foyle Legal to anyone I know who suffers a work injury.
I would recommend Foyle Legal to anyone I know who suffers a work injury.
Helen Berry
08:26 20 Jul 20
Obligation Free Call 0408 727 343
- No win no fee lawyers – nothing to pay upfront, no hidden costs
- Top rated law firm – recognized by clients and peers for our expertise
- Obligation free assessment – we help to maximise your compensation
- We help clients to fight back against insurers every day – we know how to win
