No Risk, No Stress, Just Real Support

Payouts usually range from $60,000 to $300,000 or more, depending on your superannuation fund and how many policies you hold.
Many people have multiple super funds and could claim from each one.

A Total and Permanent Disability (TPD) claim is an insurance benefit that pays you a lump sum if you're unable to work again due to illness or injury. This type of cover is typically attached to your superannuation fund, though some people have standalone policies.

You're generally eligible if:

• You have TPD insurance through your super or a separate policy
• Your condition prevents you from working in your usual occupation or any job you're qualified for by education, training, or experience

Note: Some policies require you to be unable to work in any occupation/role again, while others are occupation specific. We can help check this.

How we help: We'll check if you have TPD cover across all your super funds and help determine if your situation meets the eligibility criteria – all during your free initial consultation. You don't have to figure this out alone.

TPD claims cover a wide range of physical and psychological conditions, including:

• Physical conditions like cancer, heart disease, back injuries, etc.
• Loss of sight or hearing
• Mental health conditions like PTSD, anxiety, depression, etc.
• Other chronic or permanent illnesses or injuries

The key factor isn't the specific condition, but how it affects your ability to work in your usual role or any suitable employment as defined by your policy.

We're here for you: Our team understands the emotional and physical toll of serious injuries and illnesses. We'll listen to your story carefully and without judgement to help determine if your condition qualifies for a TPD claim.

Most Australians have TPD insurance included in their super by default. To check if you have it, you can:

• Review your super statements
• Contact your super fund directly
• Check if you have multiple super funds from previous jobs

Let us do the work: Unsure if you're covered? We can help you identify all your entitlements across different super funds – you might have more coverage than you realise. 

TPD claims usually take between 6 and 12 months to finalise. Straightforward claims may be resolved sooner, but complex cases can take longer. The process involves assessments by both the insurer and super fund trustee, with each having their own timelines.

Why DIY claims often face delays: When attempting claims on your own, insurers may repeatedly request additional information or documentation, creating frustrating delays. They often rely on these tactics to wear claimants down, hoping you'll give up or accept a lower settlement.

We keep things moving

At Smith's Lawyers, we know how to overcome insurer delay tactics. Our approach includes:

• Preparing thorough applications from day one that anticipate insurer requirements
• Knowing exactly what documentation to provide and how to present it effectively
• Maintaining persistent follow-up and challenging unnecessary delays
• Keeping constant pressure on insurers to progress your claim

Yes – if you have multiple super funds with active TPD insurance when you become disabled or unable to work, you may be eligible to make multiple claims (one for each policy). This is common for people who've changed jobs and accumulated several active super accounts.

We maximise your entitlements: Our team will identify all potential claims across your super funds to ensure you receive every dollar you're entitled to. We know how to navigate multiple claims efficiently and successfully.

While you can make a TPD claim yourself, the process is complex and insurers often look for reasons to deny claims. 

Why Smith's Lawyers makes a difference:

• We ensure your claim is thoroughly prepared with all necessary evidence
• We correctly interpret policy definitions (which can be confusing)
• We handle all communication with insurers
• We can appeal if your claim is denied
• Our No Win. No Fee. No Catch.® guarantee means you won't pay unless we win

Our expert team brings:

• Nearly 30 years of experience in compensation claims
• Intimate understanding of TPD policy definitions and requirements
• Strong relationships with medical professionals for comprehensive evidence
• Skills in negotiating with insurers for fair settlements
• Commitment to clear communication throughout your claim

You're not just a number to us: We understand this is a difficult time, and we're here to support you every step of the way. With our No Win. No Fee. No Catch.® guarantee, you can pursue your rightful entitlements without financial risk or additional stress.

If you’d like to discuss your potential TPD claim further, don’t hesitate to complete the free claims check or call us today for a free initial consultation so we can help you understand your options with no obligation.

TPD claims are often rejected due to:

• Insufficient medical evidence
• Not meeting the policy's definition of disability
• Lodging the claim too late
• Incomplete or inaccurate applications
• Inactive policies
• Not meeting waiting periods

We've got your back: Our experienced team knows exactly what evidence insurers require and how to present your case in the most effective way possible. We've helped thousands of Australians secure their TPD entitlements, and we're ready to help you too.

Sometimes, yes. Those risks may include still having to pay for disbursements like expert medical costs, barristers fees, post, printing or photocopying services, and potentially even the other party’s legal fees.

But with us at Smith's Lawyers, our “No win, No fee, No catch” promise removes all risks, which means you will have nothing to pay to us, or anyone else, unless we win your case.