Total and Permanent Disability (TPD) claims 2024-05-16T04:33:28+10:00

Disability Pension & Total & Permanent Disability Claims | Perth

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Total and Permanent Disability (TPD) claims in Perth

Your total and permanent disability insurance claim follows your  injury or an illness which stopped you from working in: 

  • Your usual job 
  • Any role that your suits your experience, training or education.

What is total and permanent disability insurance? 

Total and permanent disability insurance exists to provide financial support (usually a lump sum payment) , if you suffer any injury or illness that permanently prevents or disables you from returning to your job.  

Each total and permanent disability insurance policy (TPD) is different. Different policies have different definitions of what is total and permanent disability, and the circumstances in which they will make a lump sum payment. 

Depending on the terms of your policy, total and permanent disability insurance covers you for being unable to work in: 

  • The job you had before your disabling injury or illness 
  • Any job you’re suited to because of your experience, training, or education 

What is a TPD claim?

A TPD claim is when you claim against your total and permanent disability insurance, because of your permanently disabling injury or illness. The injury or illness doesn’t have to be work-related. Your TPD claim can be due to, for example:  

What is Total and Temporary Disability Insurance (TTD insurance)? 

TTD insurance is payable while you’re temporarily totally disabled from working because of your injury or illness. This type of insurance can be helpful if you’re temporarily unable to work in your usual role, or are working reduced hours because of the impact of your injury or illness. 

However, it’s important to note that TTD insurance payments are for a limited period of time. 

Can I make a Total and Permanent Disability claim?

You can make a TPD insurance claim if your injury or illness means you’re permanently prevented from working in your usual job, or in any other role that you’re suited for (because of your experience, training or education). 

A TPD claim lawyer, can help ensure that you secure the maximum compensation you’re entitled for your total permanent disability claim.  

Our TPD claim lawyers can also help you to navigate the process so you’re able to focus on the needs of your injury or illness. At Stephen Browne Personal Injury Lawyers, we’re committed to assisting you in achieving the best outcome for your total and permanent disability claim.  

Why Do Our Clients Choose Us?

No matter your circumstances or when you lodged your total and permanent disability claim, Stephen Browne Personal Injury Lawyers are committed to helping you achieve the best insurance outcome.

Contact Stephen Browne Personal Injury Lawyers 

Contact Stephen Browne Personal Injury Lawyers for your total and permanent disability insurance claim. We are the TPD claim lawyers to help you navigate your claim and get the compensation you deserve. 

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Frequently Asked Questions  

How Do I Know If I Have Total and Permanent Disability Insurance? 

In Australia, total and permanent disability insurance policies are available through:  

  • Your superannuation fund 
  • As a separate policy, or packaged with a life insurance policy 

If you’re not sure of your cover or how to progress with your total and permanent disability claim, get in touch with us at Stephen Browne Personal Injury Lawyers. As TPD claim lawyers, we can make a free, non-obligatory assessment of your superannuation or disability insurance entitlements.  

How much do lawyers charge for a TPD claim? 

Each claim for total and permanent disability insurance is different. Our team at Stephen Browne Personal Injury Lawyers are passionate about ensuring everyone has access to the entitlements they deserve, regardless of their background or financial situation.  

Our TPD claim lawyers offer No Win, No Fee*’ representation for total and permanent disability claims. Read more here about what that means for your situation or get in touch with our team for a free, no-obligation consultation. 

How long does a TPD claim take?  

There isn’t a legal framework requiring total and permanent disability insurance companies to make decisions within a certain time.  

On average, successful total and permanent disability insurance claims take between 6 to 12 months. Your circumstances, injury, illness and policy details are all relevant. We can help you navigate the total and permanent disability claims process.  

What is Life Insurance? 

Life insurance provides a lump sum payment to your nominated beneficiaries when you die. If your life insurance policy has ‘terminal illness cover’, the lump sum payment could be made if you’re diagnosed with a terminal illness with a reduced life expectancy.  

If your life insurance policy doesn’t name any beneficiaries, your estate or policy trustee will decide who the lump sum is paid to.