TPD Insurance Claims Support (Through Super or Retail Cover)
We help you understand the rules, gather the evidence insurers rely on, and manage the process from start to finish — with plain-English guidance at every step.
98.4% Success Rate
$100M+ Recovered
500 clients + assisted
Are You Eligible for a TPD Claim?
What is a TPD Claim?
A Total and Permanent Disability (TPD) claim allows you to access a lump‑sum insurance payment when a permanent illness or injury means you can’t return to work in your usual role — or in any suitable role, depending on your policy.
TPD cover is often included in your superannuation, and many people also hold retail TPD policies purchased directly from an insurer.
The 3 Stages of Approval
Policy Review & Evidence Gathering
We review your policy terms, identify what evidence is needed, and coordinate with your doctors to build a strong claim file.
Claim Lodgement & Insurer Liaison
We submit your claim, handle all insurer queries, and manage ongoing communication to prevent delays.
Monthly Payments Commence
Once approved, regular payments begin. We monitor for any insurer reviews or reassessments.
Why You Need Expert TPD Support
Insurance companies assess TPD claims based on strict medical and occupational evidence. Without the right documentation structure, claims get delayed or denied — even when the person clearly qualifies. We focus on presenting your medical reality in the exact format insurers assess, not generic checklists. Our team handles the back-and-forth so you can focus on your health.
Q. Can I claim TPD if I resign?
Yes. You do not need to be fired. If you resigned due to medical reasons, you are still eligible to claim TPD through your superannuation fund.
Q. Does a TPD payout affect my Centrelink payments?
TPD is an insurance payout, not income. However, large sums can affect Centrelink assets tests. We recommend obtaining independent financial advice before your payout is processed.
Q. Can I make multiple TPD claims?
Yes. If you have multiple Superannuation funds with active TPD cover, you may be able to lodge a separate claim with each fund.
This guide was reviewed for medical and insurance accuracy by ClaimRight Advocacy Team.
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