TPD Lawyers

Claiming compensation for permanent disability can be really challenging. vbr Lawyers has your back in getting the compensation you deserve.

Typically takes less than 30 minutes.

  • Win more for less
  • No win, no fee
  • Award-winning team

What is Total and Permanent Disability (TPD)?

Total and Permanent Disability (TPD) claims are designed to provide financial support to individuals who are unable to work due to a permanent disability. If you find yourself in this situation, our experienced lawyers are ready to guide you through the process.

How do you know if you’re eligible for a TPD claim?

To make a successful TPD claim, certain criteria must be met

Permanent disability

You must be diagnosed with a permanent disability that prevents you from working.

Superannuation fund

You should have TPD coverage as part of your superannuation fund.

Eligibility conditions

Your superannuation fund may have specific eligibility requirements.

We know how challenging this time can be. vbr Lawyers has your back in your TPD compensation claim.

What are the different types of TPD insurance claims?

TPD claims can result from various circumstances, including…


Where you have sustained a disability as a result of an accident.


Where you have a disability as a result of an illness, such as cancer.

Mental health

Where you have a permanent mental health condition.

What can be claimed in a TPD case?

Successful TPD claims may cover…

Financial support

Compensation to replace lost income.

Medical expenses

Coverage for medical bills and treatments.


Support to help you adapt to your new circumstances.

The TPD insurance claims compensation process

Exactly how you get insurance benefits through a TPD claim is going to look different from claim to claim. Here’s how getting started with vbr Lawyers works — we’re here to make it easy.

Talk with a lawyer

Get started with an initial chat with our lawyers. We’ll discuss the details of your TPD insurance claim and find out what steps you’ve taken so far. This chat typically takes around 30 minutes.

Get a letter of advice

Our TPD lawyers will work to get your letter of advice back to you within a few days. This will run through the steps we recommend you take for your TPD insurance claim and is written in a way that’s simple to understand.

Start the process

Once you’re ready to start the TPD compensation process, we’ll notify the relevant parties and start processing your claim. The process looks a little different for everyone, but we’ll be there for you every step of the way.

We’re a little bit different.

We pride ourselves on taking a different approach.

Win more for less

When you partner with vbr Lawyers, your TPD claim will come with lower fees and a bigger win.

No win, no fee

Our TPD lawyers take the risk out of your claim. If we don’t win, you don’t pay.

Always deal with a senior lawyer

Our TPD lawyers are highly experienced. You’ll always deal with an experienced lawyer, not the junior.

Work with an award-winning firm

We’re an award-winning firm. You’ll notice the difference in your TPD claim.

A compassionate approach

A permanent disability claim comes with enough challenges. We’ll take a compassionate approach to your claim.

The opposite of the big firms

We’re proud of taking the opposite approach to big firms who churn and burn through clients and cases.

Frequently Asked Questions

Am I eligible to make a Total and Permanent Disablement (TPD) Claim?

If you are unable to work due to illness or injury, you may be entitled to claim a TPD lump sum through your superannuation fund. This lump sum is separate from your actual superannuation account balance – it is payable under an insurance policy attached to your superannuation account. Most Australians have some form of TPD cover attached to their superannuation policies. The amount payable and the criteria for payment can differ from policy to policy, but the most common definition will allow you to qualify if you are unable to return to any work or employment for which you are reasonably qualified having regard to your age, education and relevant work experience.

Does Total and Permanent Disablement mean I can never work again, or can I claim if I am still working?

Yes, you can still claim as long as the work you are doing is substantially different as a result of the injury or illness. For example, a carpenter with a back injury who can still work as a carpark attendant may qualify. Even someone who has continued in the same employment but has been reduced to part time hours may qualify for the lump sum.

I have worked for many employers and I have lots of super funds. How do I find out if I have any TPD cover under those policies?

We will do this for you at no obligation. Once we have found out what cover you have with each super fund (if any) we will then advise you how difficult or easy it will be for you to meet the TPD definition under each policy. At that time we will also advise you of your prospects of success and we will give you a fixed fee proposal if we believe you have strong claim. If you do not have any TPD cover, we will not charge you anything for undertaking the investigations on your behalf.

Can’t I just lodge the application myself? Why do I need a TPD lawyer?

There are several important reasons to involve vbr lawyers in your application from the start:

  • We will undertake an obligation free assessment of your prospects in recovering the lump sum;
  • We will ensure the application documents are carefully prepared to ensure that the criteria are properly addressed and all necessary disclosures are made;
  • We have inside knowledge of the best medical experts who can provide reports to build the strongest possible case on your behalf;
  • Usually the certification of a current or former employer is required. We can relieve you of the time and stress involved in obtaining this;
  • In the course of the claim the TPD insurer makes many, often repetitive, requests for information that are burdensome, onerous, and time consuming. We will handle all of this for you;
  • We will be in a position to make any legal submissions on the acceptance of the claim as required;
  • We will be acting at all times on a no win no fee basis, so if the application is rejected for any reason, you will owe nothing to us;
  • Upon success of your application you have the peace of mind of our pre-agreed fixed fee which will ensure that the overwhelming majority of any lump sum is paid to you, not us.
I have lodged the TPD claim myself but the claim is taking a long time. What can I do?

It is not uncommon for persons to lodge these applications themselves and then find that the process becomes too difficult and delayed. We have assisted many clients in this situation. We will undertake an obligation free review of the matter and if we can assist, we will make a proposal to act for you by way of a no win no fee, fixed fee client agreement.

Are there any time limits on my TPD claim application?

Generally, the answer to this is that there are no time limits. We have often brought successful TPD applications where the relevant injury or illness arose some years ago. There can however be some exceptions to this. The best approach is to simply call vbr Lawyers for an obligation-free discussion however long ago the disability arose. There is no obligation or cost to you in doing so.

Can vbr Lawyers assist with my income protection claim?

Yes. We can certainly assist with securing income protection for you. We find that this is extremely helpful to our clients who are awaiting the finalisation of a personal injury or TPD claim.

How long does my TPD claim application take? How much do lawyers charge for TPD claims?

For straightforward claims, the process can be as short as three months. More complex or difficult matters can take up to 12 months to complete. In relation to costs, once we have investigated your potential claim and if we consider your claim has reasonable prospects of success, we will provide you with proper written advice and a fixed fee proposal to give you comfort and peace of mind regarding legal fees. The fixed fee amount will never change. In the unlikely event that your TPD claim is rejected, we will not charge you anything.

If my TPD claim is rejected, what are my options?

If the insurer/trustee rejects your TPD super claim, you can lodge an appeal with the Superannuation Complaints Tribunal (SCT), or commence court proceedings. We will consider and advise you about which option is best suited to your claim, and we will make a further no win no fee proposal to handle the relevant process. We have had many successes in reversing TPD rejection decisions both in the SCT and the courts.

Our lawyers have your back. Let’s talk about your claim.

Make vbr Lawyers your partner through your superannuation insurance claim. A multi-award-winning firm with a stellar reputation, our lawyers have your back.

State updated!
Your state has been updated to QLD. Practice areas on compensation law have been updated.