What you need to know about total & permanent disability insurance
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
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.
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 agreementsIt doesn’t cost you anything to know where you stand
We take calls 24/7