TPD lawyers
Total Permanent Disability (TPD) claims: Your rights, our fight
When illness or injury prevents you from working, the impact on your life can be overwhelming. At GMP Law, we understand that behind every TPD claim is a person facing significant life changes, and we approach each case with care and compassion.
Our experienced TPD lawyers are here to guide you through the claims process with passion and expertise.
Why Choose Gerard Malouf & Partners
Understanding TPD claims
Total Permanent Disability (TPD) insurance acts as a safety net, providing financial support in the event of permanent disability due to illness or injury. Most superannuation funds include a TPD insurance policy that is designed to assist you if you are unable to work in your usual occupation for medical reasons. This coverage allows you to make a claim and receive a lump sum benefit to help you through this challenging time.
Common scenarios where you may need to draw on your TPD policy include:
- Severe physical injuries affecting mobility or function
- Chronic pain conditions
- Mental health conditions
- Progressive illnesses
- Workplace injuries resulting in permanent disability
- Degenerative conditions.
A TPD claim is made separately from any person 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.
We're here to help.

Eligibility for TPD compensation
You may be eligible for a TPD claim if you:
Have been unable to work for six months or more due to illness or injury
- Are unlikely to return to work, in the same occupation or capacity as before the injury or illness
- Have a medical condition that prevents you from working
- Hold appropriate TPD insurance through your superannuation fund or a private policy.
Even if you’re uncertain about claiming, we encourage you to reach out. Our free initial consultation means you have nothing to lose by exploring your options.
John's Journey: Overcoming adversity to secure a $500k TPD Claim
In 2022, John required two more surgeries, bringing his total at the point to five surgeries. This marked a critical point in his case. We advised John to wait until after these surgeries to file his Total Permanent Disability (TPD) claim, a strategy that proved crucial given the complexities of his situation.

This image does not depict our actual client.
Factors affecting compensation
Many factors can influence your TPD claim:
1. Policy terms and definitions
- Your specific insurance policy wording
- The definition of “total and permanent disability” in your policy
- Waiting periods and other policy conditions
2. Medical evidence
- Severity and permanence of your condition
- Medical reports and expert opinions
- Treatment history and future prognosis
3. Employment history
- Your occupation and duties before disability
- Skills and qualifications
- Alternate employment options
4. Age and future earning capacity
- Impact on long-term employment prospects
- Potential future income loss
- Retraining possibilities.
At GMP Law, we’re committed to helping you understand your rights and options. We’ll work tirelessly to ensure you receive the maximum compensation you’re entitled to under the law.
Learn more: Maximising Your Superannuation TPD Payout: A Comprehensive Guide

No Win No Fee
Fee transparency that you can trust
At GMP Law, we’re committed to ensuring you have nothing to lose.
If we don’t win your case, you won’t pay a cent for our services. This means you can focus on healing without worrying about legal costs.
How it works
No upfront costs
No contingency fee
We’ll only charge you if we win.
We maintain integrity by carefully evaluating each case. If we believe it’s unlikely to result in compensation or if the costs outweigh the benefits, we won’t take it on.
This commitment to our client’s best interests, as well as fee transparency, sets us apart from other law firms.
With a 98% success rate and over $4 billion in settlements, we’re dedicated to delivering exceptional results for our clients.
Frequently asked questions about TPD claims
What does TPD insurance cover?
TPD insurance offers a lump sum payment in the event of total and permanent disability resulting from illness or injury.
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Each super fund insurance policy defines total and permanent disability differently, which may include:
- Own occupation: This coverage applies if you are unable to return to your previous job. It tends to be more expensive and is usually not included in superannuation policies.
- Any occupation: This coverage applies if you cannot work in any job that aligns with your qualifications. While this option is more affordable, it has stricter claim requirements, making payouts less common.
How do I find out if I have TPD cover?
To determine your level of TPD cover under your super fund, you can check your member statement, review your product disclosure documents, or contact your fund directly for assistance.
Can I claim TPD if I have multiple super funds?
Yes, you may be able to claim TPD insurance from multiple super funds if you have active policies.
GMP Law offers free initial consultations to help individuals explore their options. Our experienced TPD lawyers can review all of your policies to determine how to maximise your entitlements.
How long does a TPD claim take to process?
Most TPD claims take between six to 12 months to resolve, though complex cases may take longer. Our team works efficiently to expedite the process while ensuring your claim is thoroughly prepared.
What if my TPD claim is rejected?
Don’t lose hope. Many TPD claims are initially rejected but succeed on appeal. Our experienced lawyers can help challenge the decision and build a stronger case.
Will my pre-existing conditions affect my TPD claim?
Pre-existing conditions do not automatically disqualify you from making a TPD claim. The key factor is whether you meet the policy’s definition of total and permanent disability. Our TPD lawyers are here to help you navigate the process
What is a superannuation insurance benefit?
Most super funds provide life insurance, total and permanent disability (TPD) insurance, and income protection for their members. These benefits are paid out upon retirement or when a TPD claim is made.
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Typically, TPD cover ends at around age 65, while life cover usually concludes at age 70.
Our track record with TPD claims
At GMP Law, we’ve successfully represented clients from various walks of life, processing TPD claims for injuries sustained both at work and in other settings.
$52,000 TPD payout for 45-year-old slaughterman
Background
A 45-year-old slaughterman sustained a significant back injury after falling while riding cattle at work. Despite initial treatment and attempts to continue working, his condition deteriorated until work became impossible.
The challenge
The delay in proper diagnosis complicated the client’s eligibility for insurance benefits, requiring careful documentation and medical evidence.
GMP Law’s approach
- Quickly identified critical issues affecting the claim
- Gathered comprehensive medical evidence
- Supported the client through necessary medical interventions
- Demonstrated the ongoing impact of the injury
- Built a compelling case for TPD benefits.
Outcome
We successfully secured a $52,000 TPD payout, providing essential financial support for our client’s future.
$91,000 TPD payout for 25-year-old workshop mechanic
Background
A young Field Service Fleet Manager and Workshop Mechanic suffered a back injury while lifting heavy parts, complicated by workplace bullying and harassment.
The challenge
The insurer was reluctant to accept that someone so young would be permanently unable to work, and initially dismissed the impact of psychological injuries from workplace harassment.
GMP Law’s approach
Documented both physical and psychological impacts
Arranged appropriate medical and psychological treatment
Addressed discriminatory workplace practices
Gathered comprehensive evidence of employment barriers
Demonstrated the combined impact of physical and psychological injuries.
Outcome
We successfully secured a $91,000 TPD payout, ensuring financial security for our young client’s future.
Real cases, real results
Chris Chris Lehmann & his team from GMP were very professional in dealing with my work injury claims. They helped me throughout the process & explained what I needed to know. It takes time & patience but in the end they helped me get a successful & good result, which will help ease the financial burden on my family since my injury. Rodney grounds Gerard Maloufs and Partners, are an exemplary professinal firm, who I have been involved with for a decade as a client, and I cannot express how professional and competent in their job they are! Heading my claim is Chris lehman, who is definitely is an asset to his firm, being competent, intelligent, diligent, caring and honest, and fights for every cent of your claim, the barrister Jaryd, who also leads hard, and accomplishes, what seems impossible, not forgetting behind the scenes, Makaila, Poppy, and Samuel. I never expected the outcome I received, and can't express how thankful I am, to this team of absolute professionals! Rod Grounds Trent Bryn Ilyas and his team were fantastic and sorted out my case hassle free. I would highly recommend Ilyas and his team Tina McCann I can't recommend Gerard Malouf & Partners highly enough. The company does everything it says it does. Ilyas Omari who represented me successfully was amazing, he was polite, professional and very caring. Thank you so much Ilyas and GM&P :) Ankit Kumar **Exceptional Legal Support – Special Thanks to Reg Kolokossian** I had a truly outstanding experience with GMP Lawyers Parramatta. From start to finish, the team displayed the highest level of professionalism, integrity, and dedication. They guided me through the legal process with clear communication, compassion, and genuine care for my situation. A very special thanks to **Vrege (Reg) Kolokossian**, whose expertise, attention to detail, and unwavering support made a real difference in my case. Reg is not only incredibly knowledgeable, but also approachable and patient—always taking the time to explain everything clearly and make sure I felt confident at every step. Thanks to Reg and the entire GMP team, I achieved a result I’m very happy with. I would highly recommend GMP Lawyers to anyone in need of expert legal representation in Sydney. Iziah Cleal Idk what these negative reviews are all about legal fees being expensive and that do you people not realize it ain't cheap geeh head to USA then you'll understand. I'd like to thank David and his team for the ride. Man it was a long period but we got there in the end. I'm happy with the outcome love you guys David Joan Shanahan Very professional and always working to get the most for the client Chrisanth Koundouris Nassir and the team at GMP have been fantastic! They helped with my husbands TPD Claim and Workers Comp Injury Damages Claim. After years of heartache and struggle, Nassir was an angel sent to us from above. We would highly recommend Nassir and the team at GMP Parramatta. Thankyou for all your fight and hard work. Jim & Chrissy K M Diallo I chose GMP to manage my legal matters and I could not have made a better choice. They represented me with an unbelievable level of devotion and professionalism. I highly recommend GMP. Special Thanks to Tanya To who with her team were outstanding through and through. Thank you GMP and massive Thank you to Tanya To and her team.
The compensation claim process: Your journey with GMP Law
Initial consultation
Evidence gathering
Claim submission
Negotiation
Court representation
Ongoing support
Our promise to you
Why trust GMP Law with your TPD claim?
At GMP Law, we handle your claim so you can concentrate on what matters most: your recovery.
We commit to
Clear, straightforward communication
Regular updates on your case as it progresses
A personal injury lawyer who understands your unique situation
Vigorous negotiation to maximise your compensation
Empathetic support throughout your journey
Specialised knowledge
Our accredited personal injury lawyers have years of experience in accident injury claims, giving us deep insight into the nuances of these claims.
Proven track record
Difficult case policy
Australia-wide assistance
With lawyers across the country, we’re here to help, wherever you are.
Meet the TPD Claim team
Meet some of the diverse and dynamic compensation lawyers who support our clients with their personal injury claims.
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.
