Most Australians with superannuation have TPD cover — and most don't know it.
What is TPD insurance?
TPD cover is insurance held inside your superannuation that pays a lump sum if you become permanently unable to work due to illness or injury. Most Australians have this cover automatically through their super fund — without ever choosing it. Policy values commonly range from $100,000 to $800,000 or more, depending on your fund and age.
Who qualifies for a TPD claim?
Anyone whose illness or injury has permanently prevented them from working in their usual occupation — or any occupation, depending on their policy definition. Common qualifying conditions include musculoskeletal injuries, mental health conditions, cancer diagnoses, neurological conditions, heart conditions, and chronic pain disorders.
Why are TPD claims denied — and what we do about it
Insurers frequently deny or delay valid TPD claims by disputing the "permanent" nature of a condition, applying overly narrow policy definitions, or requesting excessive medical evidence. Our lawyers have successfully overturned hundreds of denied claims — and we know exactly how insurers operate.
How our financial advisors enhance your TPD outcome
A TPD lump sum is a life-changing sum of money that requires careful planning. Our financial advisors assess tax treatment (many TPD payments have significant tax components), Centrelink impact, optimal investment structure, and super fund withdrawal strategies — protecting every dollar of your settlement.