Superannuation Claims – Total & Permanent Disability (TPD)
Compensation Law
Helping you claim what you're entitled to when you cannot work due to injury or illness
When you cannot work or earn an income because of an injury or illness, it can be devastating. Most workers have Total and Permanent Disability (TPD) insurance through their superannuation fund with a sum of money that can be claimed when you cannot work. Other types of insurance payments and benefits are also frequently available.
If you are unable to work due to an injury or illness, you may be able to claim multiple types of superannuation and insurance, including:
- Total and Permanent Disability (TPD)
- Income Protection Insurance Claims
- Life Insurance or Death Benefits
- Trauma Claims
- Early release of superannuation
TPD Claims
Total and Permanent Disability claims can involve a substantial lump sum payment at a time when you need it most. If you cannot work because of an injury or medical condition, we may be able to assist you to claim a TPD lump sum payment. We can access your TPD policy and advise you as to your entitlements to make a claim.
The terms and conditions for TPD claims usually differ between insurance policies. For this reason, it is important to speak to one of our experienced TPD and Superannuation Lawyers to obtain timely, accurate advice about your right to claim a lump sum payout or insurance benefits. Often people have more than one TPD lump sum available to them.
Sometimes people (or their financial advisors) try to run their own TPD claims to save on legal fees only to have their claims unfairly rejected by the fund or insurer. Once we are contacted, it can be much more difficult to reverse those decisions or correct any mistakes made prior to our involvement.
Engaging qualified lawyers significantly boosts your chances of success with your TPD claim and the likelihood of an early payout (as opposed to lengthy litigation). Attwood Marshall Lawyers are superannuation, insurance and TPD specialists. Our team are trained to access your full benefits to ensure you receive everything you are entitled to, as quickly as possible.
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FAQs
If you are unable to work because you have suffered an injury, have fallen ill, or have a medical condition, you may be eligible to make a claim.
Often, you may be eligible to claim more than one entitlement (e.g. Total and Permanent Disability (TPD) benefits, Income Protection, Life Insurance, and/or Trauma payout).
To find out whether you are eligible, call our team on 1800 621 071 for free, no obligation advice.
For Total and Permanent Disability (TPD) claims:
- Contact Attwood Marshall Lawyers as soon as possible;
- We’ll help you access the details of all potential claims available to you;
- We’ll assess whether your medical condition and/or inability to work meets the policy definitions for your TPD policy;
- We will obtain evidence on your behalf, provide submissions to the fund or insurer, and progress your claim to determination.
To make an Income Protection claim, you must demonstrate that you are unable to work because of your injury or illness and that you are currently not performing any work duties. An Income Protection claim, or salary continuance payment, normally pays you up to 75% of your usual income on an ongoing basis for a set period of time (whether 2 years or up to retirement age).
To claim Life Insurance or Trauma, you must demonstrate that the terms of the relevant insurance policies are met.
Every insurance policy is different. It is imperative that you obtain legal advice as early as possible to understand the insurance policies you have.
If you have appropriate cover under your superannuation, or an insurance policy, your insurer will pay for your benefits.
The amount you can claim will depend on the terms of your policy. Once you have instructed our compensation team to make enquiries on your behalf, we will be able to provide accurate estimates of your entitlements.
Most TPD claims, Income Protection claims, and Life Insurance claims take between 6 and 18 months to settle. More serious or complicated claims may take longer, whilst some claims are paid out quite quickly depending on the circumstances.
If your claim is rejected, you will have an avenue to appeal the insurer’s decision. If your appeal is unsuccessful, you may be able to take the matter to court depending on the circumstances.
To give your claim the best possible chance of success from the outset, contact Attwood Marshall Lawyers to get the right advice on 1800 621 071.
There are usually no time limits that apply to superannuation claims, but claims should be lodged as soon as possible.
If your claim has been rejected, time limits apply to appealing the decision. If your claim has not been appealed and commenced by the time your time limit lapses, your claim is likely to be precluded.
The earlier you obtain legal advice about your TPD, super or insurance claim, the better.
Attwood Marshall Lawyers offer a No Win, No Fee service for superannuation, insurance and TPD claims. This means that we defer your legal fees until the end of your claim. We offer deferred hourly rate and fixed fee services.
Attwood Marshall Lawyers are one of the longest standing and most trusted compensation law firms in Australia. We are trained to listen and connect with our clients. We work hard to understand your story and what matters most to you. We take the stress out of your claim so that you can focus on your health, wellbeing and your family.
Unlike small or large national firms, we provide our clients with the best of both worlds, combining top tier legal knowledge, resources and expertise with local law firm client service.
Attwood Marshall Lawyers have long held an impeccable record for winning cases and achieving top end results. Most of our new clients come in by word of mouth (i.e. referred by other happy clients!).
A few more reasons why Attwood Marshall Lawyers is the best choice for your compensation claim:
- Our free, no-obligation initial consultation
- Our No Win, No Fee guarantee
- Our personable, friendly, and experienced lawyers and staff
- Immediate assessment of your claim, so you know where you stand
- No upfront costs
- Expert legal team led by Accredited Specialists in Personal Injury Law
- 24-hour availability (we’re here to support you weekends, public holidays, or evenings as required)
- Home and hospital visits. We will come to you if you are restricted to ensure there are no delays with your claim.
- Attwood Marshall Lawyers maintain an accreditation to the Quality Management System ISO 9001:2015 in the Provision of Legal Services. This means our systems provide our clients with the best customer experience and quality services that comply with a standard approved by the International Standards Organisation for Quality Management Systems.
No Win, No Fee Superannuation and TPD Lawyers
Attwood Marshall Lawyers act on a No Win, No Fee basis for TPD claims. You only pay our fees if you win your case. There are no upfront costs. We offer a free, no-obligation consultation to allow you to find out exactly what you may be entitled to claim.
Message our Department Manager, Tyra
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