Superannuation and Insurance Claims

TPD Super Claims - Total and Permanent Disability Claims

We are No Win No Fee, No Uplift, Injury Lawyers who represent people in Townsville and all over Queensland for TPD Super Claims.

Our team of experienced injury lawyers and paralegals work hard to progress claims as quickly as possible. We pride ourselves on our personal service and excellent results. We are trustworthy, compassionate, knowledgeable injury lawyers with decades of technical experience in this area of the law.

If you are unable to work due to an injury or illness, you may be able to make a claim for financial benefits from your Super Fund.

A first appointment costs you nothing.

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TPD Super Claims

Your super fund may include total and permanent disability insurance (TPD) cover, which can provide you with financial benefits to support you and your family when times are tough.

You could have a claim for:

Total and Permanent Disability TPD – if illness or injury permanently affects your work.
Income Protection – if you’re temporarily off work due to an illness or injury.
Death Benefits – if your partner has passed away.
Early Release of Super – if you’re facing financial hardship, illness or injury.

Your First Appointment to discuss your claim is free. Call us to make an appointment and speak with an experienced lawyer.

For more information about fees please see our Fees page.

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Can I claim money from my Superannuation Fund?

What if my TPD Super Claim has been rejected?

If you have a total and permanent disability or illness, and you are unable to do your usual occupation or other work you are trained or experienced in, you may have a TPD insurance claim.

Call us to make a free appointment to discuss if you have a claim. We'll ask:

The date you stopped work or the date you were no longer able to work in the job you are trained to do.
What Superfund you are with or what insurance funds you have
About your injury/illness
The date of your diagnosis, illness or injury
If you have lodged a claim or not (we assist people who have had their claims rejected)

Often, people have insurance built into their Superannuation (or another insurance policy) for this and they can make a claim. Quite often we are doing these claims alongside a MVA, Workers Comp, or PIPA claim.

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Stories from some of the people we have helped.

Selena was working as a Police Officer and Personal Trainer when she developed a tumor in her jaw. The tumor required surgery and ongoing treatment. She suffered complications following the surgery and developed ongoing symptoms/pain in her jaw and neck. Selena was only 30 years of age when this occurred. Her ongoing symptoms made it difficult for her to work. We made a TPD (Total and Permanent Disability) super claim to her super fund which had cover up to $500,000.00. Selena received the full $500,000.00 as a lump sum payment.

Abby worked as a carer and support worker. She was subjected to psychological abuse at the hands of one of her clients over a period of 6-12 months. Abby ended up with a serious psychological injury and was unable to work again. Abby was in her late twenties when the abuse occurred. She was quite young and so her superannuation balance was quite low. Despite this, her fund had insurance cover up to $300,000.00 for total and permanent disability. We were able to successfully apply to the Trustees of Abby’s super fund to approve a TPD (total and permanent disability) super claim. The terms of her cover were such that while she received a total amount of $300,000.00, paid in installments over 5 years. Unlike many other funds, Abby’s cover didn’t allow for one lump sum. Abby also had a common law claim for damages. The TPD super claim payments gave her some vital financial support while her compensation claim was progressing.

Maya suffered an injury to her neck and back while working as a truck driver at a large mine site. Her injuries resulted in surgery and ongoing pain. Maya was in her late forties and was unable to work again. Her superannuation fund had total and permanent disability insurance cover and allowed for payment of a lump sum of $400,000.00. We prepared a TPD super claim which was initially rejected. We pursued Maya’s application with the Trustees and were able to successfully obtain $400,000.00 for Maya which she received as a lump sum. We were also able to obtain early access for Maya to receive some of her super. Maya also had a common law claim for damages. The TPD super claim, and early release of super gave her financial support while she pursued her compensation claim.

Theo worked at a meat works processing factory. He had a difficult and physically demanding job that involved a lot of heavy work. As a result of this work, he suffered a serious injury to his neck resulting in surgery and him being unable to work again. He was on WorkCover for quite a long time. Theo was in his early thirties, so quite young. His super fund had total and permanent disability insurance cover for $100,000.00. We were able to make a successful TPD (total and permanent disability) super claim for him and he received $100,000.00 as a lump sum. Theo also had a common law claim for damages. The TPD Super Claim gave him, and his family financial support while this was being progressed.

Dane suffered an injury to his ankle while working as a Truck Driver. The injury caused him significant and ongoing pain. Dane was around 50 years of age when it happened and given his work experience, skill set and ongoing pain, it made it difficult for him to return to work in any role. Prior to working as a truck driver, Dane had worked in manual jobs since finishing school. We prepared a TPD super claim and were able to successfully apply to the Trustee of Dane’s super fund. His fund covered up to $400,000.00 for total and permanent disability insurance cover. Dane received a lump sum of $400,000.00 which was the total amount of the insurance cover. We were also able to successfully apply for Dane to have early access to his superannuation balance. Dane also had a common law claim for damages. The TPD super claim, and early release of super gave him financial support while he pursued his compensation claim.

Lex was working as a corrections officer when he suffered a significant injury to his knee. Due to his pain, he also developed a secondary psychological injury. Before working as a corrections officer Lex was a laborer. His knee injury didn't allow him to return to either of these roles. Lex was in his mid-thirties when he was injured. As his injuries were quite serious, he was unable to return to work. Lex didn't have a large amount of super, however, his fund covered up to $450,000.00 in TPD (total and permanent disability) insurance. We made a TPD super claim and were able to successfully apply for the lump sum TPD payment of $450,000.00 and an early release of his superannuation balance. Lex received his money within 10 months of making the claim. Lex also had a common law claim for damages. The TPD super claim, and early release of super gave him financial support while he pursued the compensation claim.

Do you have TPD cover in your Super?

You should be able to check whether you have TPD insurance by looking at your annual superannuation statement. You can also contact your superannuation fund directly.

Every super fund has different requirements for TPD Claims. The terms of the insurance policy need to be read carefully before making a claim.

You may have a TPD claim if an injury or illness permanently affects your ability to work.

Unlike income protection or weekly workers compensation payments, a TPD benefit is a lump sum that provides financial support while you are off work. This is often a substantial amount.

TPD insurance is usually attached to your super policy. Many people have this insurance cover without even realising it.

If you need legal assistance please call us. We would love to help.

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When can I make a TPD Super Claim?

You can make a total and permanent disability claim IF

you have an injury or illness that prevents you from returning to work, and
you have TPD cover with your super fund or in a separate insurance policy.

Often, people in the middle of litigation for a compensation claim (which may be due to injuries from a motor vehicle accident, something that happened at work, or something that happened in a public place) are unable to work due to their injury.

If this sounds like you, talk to your lawyer about making a TPD claim to your Super fund.

A successful TPD claim can help financially while the compensation claim is progressing.

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O'Shea Dyer Solicitors - Injury Lawyers Townsville, Queensland and Interstate.

We are - no win no fee - and no uplift, personal injury lawyers. We are compassionate, experienced, and committed to efficient progression of your claim. Make an appointment to see our experienced personal injury claims lawyers sooner rather than later, to ensure your rights are protected.

First appointments for a case assessment or a second opinion are free. We would love to help you.

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