TOTAL AND PERMANENT DISABILITY CLAIMS

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When you’ve been injured, lodging claims and paperwork only makes things worse. At Carbone Lawyers, we manage the whole process so you can just focus on your recovery.

No Win, No Fee

Our no win, no fee policy means that most personal injury claims have no upfront fees.

Total and Permanent Disability (TPD) insurance provides financial security for you and your family if you can’t work due to becoming totally and permanently disabled because of an illness or injury. The benefit is usually paid as a one-off lump-sum payment to help pay for medical costs, rehabilitation, debts and your future cost of living. 

TDP superannuation claims are different to compensation claims. You don’t need to prove that the accident or illness happened at work or resulted from negligence. However, you must show how the injury or illness has significantly impacted your ability to carry out your regular occupation or any other job to which you may be suited based on your education, training and experience. 

Engaging an experienced TPD lawyer is highly recommended to navigate the complexities of TPD claims.

You may qualify for a TPD lump sum payment if you meet any or all of these criteria due to sickness or injury:

  • You’re unlikely to work in your occupation ever again
  • You’re unlikely to work in any occupation again
  • You’re unlikely to perform domestic duties ever again
  • Permanent loss of your functional capacity
  • Significant impairment to your whole body
  • Loss of limbs and/or vision
  • You’re unable to look after yourself ever again (activities of daily living)
  • Permanent loss of intellectual capacity


If you are unsure about eligibility for you or your loved one, speak to the expert TPD insurance lawyers at Carbone Lawyers.

How much will I receive?

Your annual superannuation member benefit statement should show the amount you are covered for. It will usually range from tens to hundreds of thousands of dollars. However, the terms and definitions of each policy are different and making a claim can be a complex and challenging process.

Note: TPD benefits are usually not affected by any other claims for compensation such as WorkCover or TAC claims.

Our experienced TPD claim lawyers will help you determine your eligibility and ensure you get your full entitlements.

Making a TPD Insurance Claim

Superannuation funds and insurers are notoriously tricky and stressful to deal with. Their staff are trained to find reasons not to make a payout. By contrast, our team of TPD Insurance Lawyers will strive to make the process as easy as possible. They will help you prepare supporting documents such as expert medical opinion and other evidence to support your claim. They are also experienced in dealing with superannuation funds and insurers on behalf of clients when a decision is made adverse to your interests. 

Carbone Lawyers will always give you a realistic estimate of how long the claim will take based on your circumstances and keep you informed along the way.

Have you had a TPD claim declined?

If you have been unsuccessful in your claim, our Superannuation TPD lawyers at Carbone Lawyers can help. This includes if you’ve used another law firm to make the claim. 

There are several options available for disputing a declined claim from applying to the fund or insurer for reconsideration, going to the Australian Financial Complaint’s Authority or initiating court proceedings.

Strict time limits apply, so acting as soon as possible is vital.

No Win No Fee

Carbone Lawyers offers a no win, no fee option for superannuation insurance claims. This means you will only pay if your case is successful.

For a free TPD claim assessment, please speak to one of our experienced TPD lawyers today.