Total & permanently
disability claims lawyers

Total and permanently disabled TPD insurance

1800 305 568

What you need to know about total & permanent disability insurance

Most workers are covered for total and permanent disability (TPD) insurance through the superannuation fund contributions made by their employer. Many people have more than one super fund with TPD cover, and some people have TPD insurance from their own private policy or group polices from an employer, union or organisation.

Terms and conditions vary between insurers, but often you won’t be aware of this because you don’t always get a copy of the policy. Maurice Blackburn’s TPD super claims lawyers have a great deal of experience working out the fine print in insurance policies, and will work to get your full entitlements—so if you'd like to file a claim, we're here to help.

Why Maurice Blackburn?

Maurice Blackburn's insurance claims lawyers are experts, and we understand the importance of having someone in your corner when you're taking on a well-resourced insurance company.

We offer 'no win, no fee'* arrangements for these types of cases, which means that you don’t have to pay for our legal services if we don't win. We have TPD insurance claims lawyers in Melbourne, Sydney, Brisbane, Perth, Adelaide, Darwin and throughout Australia.  Contact us today to find out how we can help.


Kim Shaw

Executive Director, National Head of Personal Legal Services, Melbourne

'I am passionate about helping people know their rights and ensure they receive their lawful entitlements at a time of significant disruption and anxiety in their lives.'

Frequently Asked Questions

How are TPD insurance payouts made?

TPD insurance payments are usually lump sums that are paid if you are permanently unfit to do your normal job or any other similar work that your training and experience would suit. These payments are separate to death benefits.

Is my health problem covered under the policy?

You will need to check the definition section in the policy. Some policies may exclude certain illnesses or injuries. Get legal help if you’re unsure about any of the fine print.

Are there any exclusions?

Yes, usually self-inflicted injuries and extreme sport injuries are excluded.

Can I have more than one policy?

Often TPD policies are part of someone’s membership of a superannuation, so they may have more than one TPD policy if they have multiple super memberships. It’s possible to claim against more than one TPD policy.

What is my duty of disclosure?

Under some policies you have to tell your insurer about pre-existing health problems, If you don't, the insurer might try not to pay you—but often with help you can get them to pay.

When can I claim?

As soon as possible, but you may be able to claim even after a long time.

No win, no fee*

Our insurance claim lawyers are experienced in winning fair compensation for our clients on a no win, no fee basis.

Our fees and agreements

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