TPD Lawyers
If you are unable to work due to an injury,
Overview
Total Permanent Disability claims
Total Permanent Disability (TPD) insurance serves as a safety net, providing financial support in the event of a permanent disability — whether that’s due to illness or injury.
Most superannuation funds include a TPD insurance policy which is designed to cover you if you are unable to work in your usual occupation for medical reasons, allowing you to make a claim and receive a lump sum benefit.
If you have an illness or injury that impacts your ability to work for an extended period of time, speak to one of GMP Law’s superannuation solicitors today.
Contact us for no-obligation legal advice about your claim.
Experience
in superannuation disability claims.
Rate
won
Our Process
Qualifying for a TPD claim
To be eligible for a TPD claim, you must meet the following criteria:
- You have been off work for six months or more, as a result of injury or illness
- You are unlikely to return to work, in the same occupation or capacity as before the injury or illness
- You have appropriate superannuation cover for total and permanent disablement
How to file a claim
A TPD claim is made separately from any personal injury claim you may already have in motion including medical negligence, motor vehicle accident, workers’ compensation, or public liability claims. GMP Law can help you file multiple claims to maximise your compensation entitlements.
Here are steps to take in order to file a TPD claim:
1Contact your superannuation provider to understand what type of coverage you have, and what your policy will cover.
2Contact GMP Law for an obligation-free consultation to discuss your eligibility to make a TPD claim.
3We’ll gather evidence to build your case, and support you through every step of the TPD claims process.
A superannuation lawyer can help to determine if your experience is eligble for a superannuation claim.
OUR CASE SUMMARIES
Maximum Compensation, Proven
Our guarantee
No Win, No Fee TPD Lawyers
Not all ‘No Win No Fee’ legal firms are the same. Here at GMP Law, we cover 100% of all upfront costs.
Our no win, no fee guarantee
We take on 100% of all upfront costs for you. If you don’t win, we won’t charge you anything for our work — that is the basis of our law firm.
This approach also signifies that if — in the rare instance — we do not win your case, you will not be required to pay a contingency fee for our work together.
This means that you can focus more on healing, without the additional worry of legal costs by seeking the compensation you rightfully deserve.
Upon winning your case, we do not charge a percentage of the settlement — as may be commonly expected. Rather, we charge based on our time.
We are dedicated to serving Australia with the utmost commitment to our clients’ success and satisfaction, as evidenced by our 98% success rate and $4 billion in settlements delivered.Â
Client testimonial
“Thank you so much for my claim, it has helped me, my Husband and Daughter through a very rough time and your services run smoothly and very professional. I was very impressed.”

Frequently Asked Questions
More information about Superannuation Disability Claims
Commonly asked questions concerning superannuation claims.
What does TPD insurance cover?
TPD insurance provides a lump sum payment in case of total and permanent disability due to illness or injury.
- Each super fund insurance policy has its own definition of what is total and permanent disability, which can include:
- Own occupation: Unable to return to your pre-disability job. This coverage is pricier and typically not included in super.
- Any occupation: Unable to work in any job aligned with your qualifications. This option is more affordable but has stricter claim requirements, making payouts less common.
How do I find out if I have TPD cover?
To find out what level of cover you have under your super fund, either refer to your member statement, read through your product disclosure documents or contact your fund directly.
What is a superannuation insurance benefit?
Most super funds offer life, total and permanent disability, and income protection for members. They will payout in when you’ve retired or make a TPD insurance claim.
TPD cover will usually end around age 65, and life cover ends at age 70.
Why do I need a lawyer to help with a TPD claim?
Sometimes the insurer will not grant you the full coverage you need, or argue that you should only have some of the insurance payouts. That’s when TPD lawyers like Gerard Malouf & Partners will step in, gather the necessary documentation, speak to the right people and help maximise your compensation.
A denied TPD insurance application is not uncommon, especially if you’ve filled out the application yourself. The process has a lot of easily missed details and specifications. This should not discourage you from trying again. We’re here to help you file the paperwork necessary and appease the insurer’s requirements in such a situation. Our expert lawyers will understand your insurance policy well and take the steps necessary to file your superannuation claim with care so you can get the coverage you need.
After an accident that resulted in TPD, you may be under serious distress trying to figure out how to live a full life while paying your bills. We can take the burden off of your shoulders and act on your behalf in filing a claim. This way, you can focus your energy on recovery.
Free Resources
TPD Claims Guide: Making a Successful Claim
Our guide explains the step-by-step TPD claims process, and covers what payout you could expect.
Our TeaM
Meet the Superannuation Claims Team
OUR PROMISE TO YOU
Our difficult case policy
At Gerard Malouf & Partners, it’s our professional obligation to strive for maximum justice and achievable compensation.
Our difficult case policy ensures that our senior lawyers and experienced management team oversee notably challenging cases. This makes sure that we achieve the best results for our clients seeking accident injury compensation.
We maintain integrity by not accepting a case if we believe it is unlikely to result in compensation, or if the costs to our client outweigh the benefits.
This is our core philosophy and what differentiates us from other law firms.
We're here to help maximise your compensation
Book your free, confidential consultation with one of our TPD lawyers using the form below, or simply call us 1800 004 878.
