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TPD claims

Superannuation and disability insurance

Who can make a TPD claim?  

If you’ve suffered an injury or illness and can no longer do the work you once could, you may be entitled to a Total and Permanent Disability (TPD) insurance benefit through your superannuation. Your eligibility to make a TPD claim will depend on the requirements laid out in your specific policy, as decided by the insurer or super fund in question. Criteria vary from insurer to insurer, but some common requirements for making a claim include: 

  1. Level of disability - To make a TPD claim, you will need to show you have a certain level of disability. This often considers your ability to return to your previous role, or to work at all. 

  2. Your super fund - Your ability to lodge a TPD insurance claim will depend on whether cover is included in your superannuation policy. 

  3. Waiting periods - Before lodging a claim, most policies will require a waiting period after the date you sustained injury. This allows for all injuries and symptoms to stabilise so the full extent of damage can be determined. 

  4. Employment history - Some policies require you to satisfy a minimum level of employment before you are eligible to seek a TPD payout. 

Our expert TPD insurance claims team can quickly determine what you are eligible to access under your specific policy. We’ll explain what you may be able to claim and make the claims process as smooth and simple as possible while making sure you receive your full entitlements.  

What can I claim for? 

Your TPD insurance entitlements will depend on your specific superannuation fund and the impact your disability has on your life and ability to work.   

In general: 

  • You may be able to access a lump sum payment through your superannuation policy; and 

  • You may also be covered for a TPD lump sum through a private life insurance policy. 

How long will it take? 

TPD claims are resolved within a much shorter timeframe than most other types of compensation claims. It’s possible for TPD claims to be resolved within four to five months; depending on the facts of your specific situation.   

We will work to secure the best possible outcome for your future as quickly as possible. 


Ensuring everyone has access to justice is important to us and that’s why we offer our TPD insurance services on a No Win, No Fee* basis. This means you won’t have to worry about legal fees unless we receive a successful outcome for you.  

*Conditions apply.

Do you have a case?  

We're here to make the legal process as simple and stress-free as possible.

How Shine can help

We have helped thousands of Australians right wrong and access more than $1 billion per year in entitlements and compensation through our expert services.  

95% of the cases we represent are settled without the stress of going to court. 

With our 1000+ workforce and business maturity, we have the scale, expertise and agility to take on the tough cases and win. 

We are ready to take action to unlock access to what is rightfully yours and right wrong.


Can I represent myself, or do I need a TPD lawyer?

It is possible to legally represent yourself when making a claim however, doing so successfully will likely require a thorough understanding of the law, your legal rights and entitlements, and a commitment to actively pursue the case to move it forward. 

Without an experienced superannuation and disability insurance lawyer in your corner, it can be difficult to identify and highlight the strength of your case. 

Without the right legal advice and support, you then may not receive the compensation you're entitled to.

Is there a TPD lawyer near me?

With more than 40 branches across Australia and 1000+ team members, location is no barrier when it comes to accessing Shine Lawyers legal advice and support. 

If you’d like to speak to our Superannuation and Disability Insurance team in person, you can see our full list of locations here

If you aren‘t able to find a location near you, we can easily arrange an obligation-free virtual appointment or discuss the option to meet at a location that’s comfortable and convenient for you. No matter where you are located, we will always provide the same, expert advice and manage your claim with the same level of quality and commitment.

Why trust Shine to be my TPD lawyers?

At Shine Lawyers, we put your first. We’ve been standing up for the rights of everyday Australians for over 45 years. As one of Australia’s largest litigation law firms, we are here to help you get the justice you deserve.

Our empathy, understanding and expertise are why we’re ahead of the pack. We’ll stand with you and guide you through every step of the way. 

Do I need a lawyer for a TPD claim?

You don’t need a lawyer to make a TPD claim. There are however significant benefits to hiring an experienced TPD lawyer for your TPD claim. TPD lawyers can identify the strengths of your case and understand which aspects may need additional documentary support. They can streamline the TPD claim process and help you to receive the entitlements you deserve. Find your local Shine Lawyers TPD lawyer here.

What is TPD insurance?

TPD insurance can provide a lump sum payment if your personal injury or illness means you’re totally and permanently disabled from working in your usual job. TPD insurance can bring financial peace of mind and pay for your medical and rehabilitation costs. It can be separately purchased or may be part of your superannuation policy.

How much do lawyers charge for TPD claims?

How much lawyers charge for TPD claims varies considerably between law firms, and the circumstances of your TPD claim as each total and permanent disability (TPD) claim is different.  

One of the biggest things to consider when evaluating your options is, whether the law firm can offer you a no-win, no-fee arrangement. Here at Shine, we believe legal fees shouldn’t be a barrier to your TPD claim, so our TPD lawyers work on a No Win No Fee*. This means you won’t have to worry about our legal fees unless we receive a successful outcome for your TPD claim. 

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