Superannuation and TPD Lawyers

Expert Superannuation and TPD Claims Lawyers

The Benefits of Working with Specialised Lawyers During Your TPD Insurance Claim

Seeking legal assistance in super and income protection insurance-related matters is the best course of action and can increase your chances of a successful claim.

Burke Mead Lawyers offers specialist expertise, local knowledge, and a client-focused approach to every TPD and superannuation claim. Burke Mead Lawyers are among the top personal injury lawyers in NSW, led by Emma Mead, the Managing Director of Burke Mead Lawyers and an Accredited Specialist in Personal Injury Law. Our team operates across Newcastle, the Hunter region, the Central Coast, Sydney and regional NSW.

We are committed to clear communication, practical solutions, and supporting you through complex claims. Our track record of successful claims and maximum compensation for clients speaks for itself. Choosing Burke Mead means working with a personal injury lawyer in NSW who genuinely cares about your wellbeing and financial future.

Superannuation & Total Permanent Disability Claims FAQs

Total and Permanent Disability (TPD) insurance provides a lump sum payment if you become permanently unable to work due to a serious injury or illness. Most Australians have TPD insurance automatically included in their superannuation funds, which also often covers income protection and death benefit claims. These insurance benefits are designed to provide financial support for living expenses, medical costs, and other obligations when you are unable to earn an income. Superannuation insurance is a safety net for workers and their families, offering peace of mind during difficult times.

To make a TPD claim, you generally need to show you are unable to work in your usual occupation—or any occupation suited to your education, training, or experience—due to a permanent disability. This can result from physical injuries, mental health conditions, or critical illnesses. Most superannuation insurance policies require you to be off work for at least three months and to provide medical evidence from your treating doctors. You may also be eligible for superannuation insurance claims if you are diagnosed with a terminal illness or are seeking a death benefit for a loved one.

In addition to TPD benefits, you may be entitled to:

• Income protection benefits (regular payments if you are temporarily unable to work)
• Trauma insurance (lump sum for specific illnesses or injuries)
• Death benefit claims (for beneficiaries of a deceased member)

Making a TPD or superannuation claim involves several key steps:

1. Check Your Policy and Super Fund: Review your superannuation fund or insurance policy to confirm your TPD insurance coverage and understand the definition of total and permanent disability.
2. Gather Medical and Employment Evidence: Collect medical reports, employment records, and any other documentation that supports your claim. Medical evidence is essential for a successful TPD claim.
3. Notify Your Super Fund or Insurer: Contact your super fund or insurer to request the relevant claim forms. Some funds allow you to make multiple TPD claims if you have more than one policy.
4. Complete and Submit Claim Forms: Fill out the claim forms accurately, attaching all required medical and employment evidence. Incomplete or inaccurate information can delay your claim.
5. Assessment and Review: The insurer will assess your claim, which may involve further medical examinations or requests for additional information. The TPD claim process can take several months, depending on the complexity of your case.
6. Decision and Payout: If your claim is approved, you will receive a lump sum payment or other benefits as outlined in your policy. If your claim is rejected, you have options for review or appeal.

Our Personal Injury Lawyers

Public Notary Specialist Accredited in Personal Injury Law