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If you are unable to work due to illness or injury, you may be entitled to make a Total and Permanent Disability (TPD) claim through your superannuation.
Many superannuation funds include insurance that provides a lump sum payment if you are unable to return to work. These benefits are designed to provide financial support where your condition prevents you from continuing employment.
At Stephen Young Lawyers, our experienced TPD lawyers in Sydney CBD assist clients across a wide range of claims. We provide clear advice and act on a No Win No Fee basis for eligible matters, guiding you through the process from beginning to end.
TPD claims are typically made through the insurance attached to your superannuation fund.
If your claim is successful, you may receive a lump sum payment that can assist with living expenses, medical costs and financial commitments where you are unable to return to work.
Many people are unaware they have this coverage or that they may be eligible to claim. Understanding your superannuation policy and how it applies to your circumstances is an important first step.
Our superannuation TPD claim lawyers in Sydney can review your policy, assess your eligibility and guide you through the claims process.
We assist clients with a range of Total and Permanent Disability claims, depending on the nature of their condition and the terms of their insurance policy.
This includes claims arising from serious physical injuries, chronic conditions and mental health issues that prevent a return to work. Each claim is assessed based on the medical evidence and the specific policy definition that applies.
You can explore the different types of claims in more detail below.
If you have suffered a serious physical injury and can no longer work, you may be entitled to a TPD claim.
These claims often involve conditions such as spinal injuries, severe back injuries, chronic pain or neurological conditions. The key issue is whether your condition prevents you from working in your usual occupation or in any suitable employment, depending on your policy.
Because these claims require detailed medical evidence, obtaining advice early can help ensure your claim is properly prepared.
You may also be entitled to a TPD claim if you are unable to work due to a mental health condition.
Conditions such as depression, anxiety and post traumatic stress disorder can significantly affect a person’s ability to return to employment. If your condition prevents you from working, you may be eligible to make a claim through your superannuation.
Mental health TPD claims often require detailed medical reports and supporting evidence. Our team can assist in assessing your eligibility and guiding you through the process.
Eligibility for a TPD claim depends on the terms of your superannuation insurance policy.
Most policies require you to demonstrate that, due to illness or injury, you are unlikely to return to work in your usual occupation or in any occupation suited to your education, training and experience.
Different policies apply different definitions, commonly referred to as “own occupation” or “any occupation”. Understanding these definitions is critical when assessing your claim.
Our TPD lawyers in Sydney CBD can review your policy and provide clear advice about your eligibility.
TPD claims can be complex and often require strong medical and employment evidence.
At Stephen Young Lawyers, we assist by reviewing your superannuation policy, gathering the necessary medical evidence and managing communication with insurers. Our goal is to ensure your claim is properly prepared and that your entitlements are fully considered.
We manage the process from beginning to end so you can focus on your health and recovery.
Stephen Young Lawyers proudly assist Sydney’s multicultural community.
Our team includes Chinese speaking, Mandarin speaking, Cantonese speaking and Korean speaking workers compensation lawyers in Sydney CBD. We can assist clients in their preferred language and ensure they fully understand their rights and options.
If you believe you may be entitled to a Total and Permanent Disability claim, obtaining early advice can make a significant difference. Stephen Young Lawyers assist clients across Sydney CBD and throughout NSW with TPD claims through superannuation. We offer free initial advice and act on a No Win No Fee basis for eligible matters.
Contact our team today to discuss your situation and receive clear legal advice about your rights and possible compensation.