6/2 Carson Road,
Malaga, WA 6090
Hundreds Of Customers Trust Foyle Legal
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.
Foyle Legal Provides Legal Services to all of WA
What suburbs in Perth does Foyle Legal provide legal representation to?
Looking for the best TPD claim and income protection claim lawyers in Perth? Foyle Legal injury compensation lawyers provide legal advice to all suburbs in Perth metro areas and Perth’s surrounding 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.
Ascot, Belmont, Carlisle, Kewdale, Newburn, Redcliffe, Rivervale.
Perth Inner City
Burswood, Perth 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.
East Fremantle, Fremantle, Hamilton Hill, North Fremantle, O’Connor, South Fremantle.
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.
Churchlands, City Beach, Claremont, Cottesloe, Crawley, Daglish, Dalkeith, Floreat, Mosman Park, Mount Claremont, Nedlands, Swanbourne, Wembley.
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
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 Representation to surrounding areas of Perth?
Yes, Foyle Legal extends legal presentation to surrounding areas of Perth. This includes but limited to Avon Valley, North Coast & Valleys, Peel areas, Perth Hills, Rottnest Island, and Swan 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
Mandurah, Peel Coast, Peel Inland, Baldivis, Barragup, Boddington, Dawesville, Dwellingup, Falcon, Greenfields, Halls Head, Karnup, Mandurah, Mandurah East, Meadow Springs, Pinjarr, Port Kennedy, Quindanning, Ravenswood, Rockingham, Rockingham Beach, Safety Bay, Secret Harbour, Serpentine, Shoalwater, South Yunderup, Wannanup, Waroona, West Pinjarra
Does Foyle Legal provide legal service to clients in Regional WA?
Yes, Foyle Legal service all of WA, including remote or regional areas of Western Australia. Check out our the services we offer in your area.
- Kalgoorlie – Boulder
- Port Hedland