TPD Lawyers.

A Total and Permanent Disability (TPD) claim provides a lump sum payment if illness, injury, or disability prevents you from ever returning to work in your usual job, or in any occupation you are reasonably suited for by training, skills, or experience.

Most Australians hold default TPD cover through their superannuation fund, unless they opted out. Others may also have standalone TPD policies. Importantly, a TPD claim is made against the insurer attached to your super fund, not your employer. Fault or negligence isn’t relevant — what matters is whether your condition meets the strict definition of “total and permanent disability” in your policy.

Many people are unaware they have this cover, or that they may be eligible to make multiple claims across different funds.

The first step is to get advice before lodging. Many claims are rejected because the forms are incomplete, evidence is weak, or the insurer applies their definition too narrowly. These mistakes are hard to fix later.

When you come to Gain Lawyers, we:

• Review your policy to confirm eligibility and entitlements.
• Collect the medical and employment evidence insurers demand.
• Prepare and lodge your claim correctly the first time.
• Deal directly with the insurer to keep the claim moving.

By involving us from the start, you avoid costly delays and give your claim the best chance of success.

A successful TPD claim pays a once-off lump sum, the amount depending on your policy and level of cover. This benefit is designed to provide long-term financial security when you can no longer work.

Your payout can be used however you need — covering medical treatment, rehabilitation, mortgage repayments, everyday expenses, or your family’s future needs. Because lump sums can have tax and financial planning consequences, many people seek professional advice once their claim is approved.

At Gain Lawyers, we ensure you receive the maximum payout your policy allows, and we guide you on how to structure the claim so it isn’t undervalued.

Most TPD claims take 3–12 months. Some are finalised faster if evidence is clear, while others drag on if insurers request repeated medical reports or argue your condition isn’t permanent.

Timeframes often depend on:

• The strength and completeness of your initial evidence.
• The insurer’s willingness to accept your medical reports.
• Whether the claim is disputed and needs to go through appeals.

We know the tactics insurers use to delay payouts. Gain Lawyers keeps pressure on them, ensures deadlines are met, and pushes your claim forward so you’re not left waiting indefinitely.

Insurers regularly reject claims, sometimes unfairly. Common reasons include:

• Arguing your condition doesn’t meet their definition of “total and permanent disability.”
• Suggesting you can still work in some capacity.
• Claiming medical evidence doesn’t prove your condition is permanent.
• Saying the claim was lodged too late.

Don’t assume a rejection is final. We have overturned countless denials by gathering stronger evidence and challenging the insurer’s reasoning.

Yes, you could be entitled to multiple lump sum payouts. If you have multiple superannuation accounts, each may have its own TPD cover.

We check all your super funds, identify hidden policies, and run multiple claims together to maximise your compensation.

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Yes. TPD claims are separate from other compensation schemes. For example, you may:

• Receive WorkCover payments for a workplace injury, and
• Claim a TPD lump sum through your superannuation.

At Gain Lawyers, we coordinate your TPD claim with other entitlements to make sure you receive the maximum support available.

You’re not legally required to have a lawyer, but insurers frequently:

• Reject claims on narrow definitions.
• Delay payouts with repeated requests.
• Pay less than the full entitlement.

Having legal support ensures your claim is prepared correctly, deadlines are met, and unfair decisions are challenged.

You can technically lodge a TPD claim on your own, but insurers often:

• Use strict policy wording to deny claims.
• Stall by demanding endless extra documents.
• Pay less than what you’re owed.

With Gain Lawyers, your claim is built properly, deadlines are met, and unfair decisions are challenged. Having an Accredited Specialist on your side often makes the difference between rejection and a full payout.

TPD claims are complex and high-stakes. At Gain Lawyers, we:

• Act only for individuals - never insurers.
• Check all your super funds for hidden entitlements.
• Prepare and run your claim with complete supporting evidence.
• Challenge unfair rejections and delays head-on.
• Cover all costs upfront, with fees 20–40% lower than large firms.

You deserve financial security after a life-changing illness or injury. Gain Lawyers is here to make sure you get it.

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