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GMP
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Gerard Malouf & Partners Manage Cases For Clients Across All Areas Of Personal Injury Law, Inheritance Disputes And Superannuation Disputes.

About Us
About Us

Gerard Malouf & Partners Have Provided Friendly, Experienced Legal Advice To Communities Across Australia For Over 35 Years. Our Personal Injury Lawyers Have Taken On Ten’s Of Thousands Of Cases And We Are Proud To Have Won Billions Of Dollars For Our Clients.

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Meet The Diverse And Dynamic Team Of Compensation Lawyers And Supporting Staff That Have Made This All Happen Below. Our Multi-Lingual Team Can Discuss Your Claims In Arabic, Assyrian, Turkish, Greek, Italian, French, Serbian, Croatian, Armenian, Mandarin, Hindi, Punjabi Or Malayalam.

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TPD Lawyers

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TPD Lawyers

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. By entrusting GMP Law with the management of your TPD claim, you gain a team of expert, dedicated solicitors who work to ensure you receive the compensation you’re entitled to. 


We offer a free consultation with one of our TPD claims lawyers, offering you personalised legal advice and answers to any questions you may have. Click here to book a free consultation or learn about our no-win, no-fee policy here.

35
Years Experience
Winning successful cases for our clients.
98%
SUCCESS RATE

Winning TPD Claim Compensation

35,000
CLAIMS WON

That translates to billions of dollars for our clients.

35
Years Experience
No Fee
IF You Don'T Win YOur Case
Unique
Service GuarAntee

Overview

Total Permanent Disability Claims

TPD insurance is an income protection plan that will help support you financially if you were to be permanently disabled due to an illness or injury. Most superannuation policies have TPD coverage as part of the payout, but each policy differs. Therefore, it’s important to be familiar with the policies of the super you’re with and understand what is covered in terms of TPD.

Most TPD insurance includes:
  • Medical expenses including treatment, medication, rehabilitation and specialist therapies not covered by Medicare. 
  • Paying off or decreasing your debts like mortgage and living expenses.
  • Be under 65 years old on the date of ceasing active employment.
  • Home adjustments and care. 
  • Any additional disposable income if your partner needs to quit work to care for you. 

Compensation, which is often paid out as a lump sum, can also go toward travelling to get expert medical care if it is not immediately available to you. Your personal injury lawyer from GMP Law will read the product disclosure statement within your policy, to know exactly what your policy covers, for how long and under what conditions.

Qualifying for TPD cover

To be classified as totally and permanently disabled, you must:

  • Be incapable of returning to work for which you are reasonably qualified by education, training or experience.
  • Have ceased active employment as a result of injury or illness.
  • Be under 65 years old on the date of ceasing active employment.
  • Have a life insurance policy in place as of the date of ceasing active employment.
  • Have worked at your previous job for at least a year.

Employment eligibility could depend on the market, transferable skills and the overall likelihood of your gaining employment. There is an alternative to never returning to work if you are open to retraining and going back to school. In this case, you may still be eligible for a superannuation TPD claim as the need to retrain indicates that you no longer qualify for a position within your industry.

Process

How to file a claim

Filing a claim with the help of help of GMP Law makes the process less stressful and more streamlined. We will handle the details of your case while you take time to recover.

Our process will start with contacting your insurer and superannuation representatives to understand the parameters of your claim and what your policy will cover. 

From here we’ll gather evidence, and speak with your employer and healthcare providers — each contact will help support your case. The evidence and supporting statements sent over to the insurers and the fund’s trustee will determine how much payout you should receive. 

A TPD payout is separate from any workers’ compensation or personal injury claim you may already have in motion including medical negligence, motor vehicle accident or public liability claims. We can help you file multiple claims for both your motor vehicle compensation claim, personal injury and a TPD claim with your personal insurer and/or superannuation insurer.

Working with the insurance company

Understanding your insurance policy fully is the first step to earning TPD benefits. For instance, there are two phrases that will make a big difference in the coverage you will receive. As your TPD lawyer looks over your policy, it may state that the cover applies to either “any occupation”, or “own occupation.”

“Any occupation” applies only if you are unable to work in any capacity no matter the industry or job. This could be based on skills and experience or that your disability prevents you from working at all. 

“Own occupation” is typically preferred and applies if you are unable to work at the same or any capacity in the job you held before your injury or illness. This option is not available for all occupations and the premiums are typically higher for this type of coverage. 

We recommend holding both a superannuation policy and one purchased directly from the insurer in your name so you have at least one of both types of policies. 

Your GMP Law team of TPD and superannuation experts will look over your policy and execute a plan that can help you start earning benefits as soon as possible.

Gathering evidence

The evidence necessary to support your claim will come from recommendations from your doctor and your employer. We’re looking for a diagnosis from your medical treatment specialist as well as background information on your recent work history. If you reported the illness or injury to your employer, this would be a paper trail that would help support your case, for example. 

Any and all information you can provide to support your TPD claim can help you earn compensation from your insurers. The superannuation death benefit or life coverage needs supporting evidence to determine how much of a payout is necessary to meet your immediate needs. 

We are experts in maximising your payout benefits and will work hard to help you get to where you need to be.

What is the average TPD payout?

A total and permanent disability income protection Insurance policy can range from $10,000 to more than $1,000,000 — a large range that completely depends on your need for economic and non-economic coverage.

If you are not successful, you may still be able to access these accumulated Superannuation Funds on the grounds of invalidity or financial hardship.

How to work with TPD lawyers to get compensation

GMP Law’s solicitors are accredited specialists for total and permanent disability (TPD) and superannuation claims. 

Dealing with TPD can be a life-changing experience, especially if this disability prevents you from ever returning to work or enjoying normal activities like you once did. This is when you will reach out to GMP Law, your local expert TPD lawyers, for legal advice and guidance. 

We work hard to earn you the maximum benefit for your claim so you can carry on comfortably and recover as much as possible. With a TPD claim, our main focus is to ensure that you can earn enough payout benefits to support your disability and cover you financially. 

With the right legal guidance, the claims process can be a lot easier and more smooth than if you were to tackle it yourself

Free Resources
Guide To Superannuation Compensation & TPD Claims Checklist

Download your guide today and check your eligibility to make Superannuation & Total Permanent Disability compensation claims

> Download Now
GErard Malouf & Partners

Proven solicitors and barristers

Gerard Malouf & Partners already have an established track record of getting TPD victims the justice and compensation they deserve.

For decades, the team at Gerard Malouf & Partners have been leading the way and fighting for people just like you. Whether you’ve been wronged through a motor accident, public liability, medical negligence, workers’ compensation issue, or other dispute, our solicitors and barristers have a winning history you can rely on. If your back pain has negatively impacted your quality of life, it is time to take action.

The lawyers at Gerard Malouf & Partners have managed thousands of legal cases proving total permanent disability claims for our clients. Contact us today for a no-obligation, free consultation to discuss the details of your suit.

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Free Resources
Guide To Superannuation Compensation & TPD Claims Checklist
Download your guide today and check your eligibility to make Superannuation & Total Permanent Disability compensation claims
> Download Now

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“I really appreciate all the hard work you put in for me during my case. I only have the highest regard for you and your team!”


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© 2024 
Gerard Malouf & Partners
 — Personal Injury Compensation Lawyers
Services
Gerard Malouf & Partners manage cases for clients across all areas of Personal Injury Law, Inheritance Disputes and Superannuation Disputes.
About Us
Gerard Malouf & Partners have provided friendly, experienced legal advice to communities across Australia for over 35 years. Our Personal Injury Lawyers have taken on ten’s of thousands of cases and we are proud to have won billions of dollars for our clients.
Lawyers
Meet the diverse and dynamic team of compensation lawyers and supporting staff that have made this all happen below. Our multi-lingual team can discuss your claims in Arabic, Assyrian, Turkish, Greek, Italian, French, Serbian, Croatian, Armenian, Mandarin, Hindi, Punjabi or Malayalam.
Resources
Meet the diverse and dynamic team of compensation lawyers and supporting staff that have made this all happen below. Our multi-lingual team can discuss your claims in Arabic, Assyrian, Turkish, Greek, Italian, French, Serbian, Croatian, Armenian, Mandarin, Hindi, Punjabi or Malayalam.

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