Total & permanently
disability claims lawyers

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.

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.

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

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.

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.

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