"No win no fee" is a term used by many legal and claims assistance services when helping people pursue TPD claims. It means you don't pay anything upfront — the service is only paid if your claim succeeds. But understanding the detail matters.
What no win no fee means
Under a no win no fee arrangement:
- You pay nothing upfront to start your claim
- If your claim is unsuccessful, you typically pay nothing
- If your claim succeeds, the service or lawyer takes a percentage of the payout (typically 10–25% depending on the arrangement and complexity)
Do you need a lawyer for a TPD claim?
Not necessarily — at least not for an initial claim. Many straightforward TPD claims are lodged directly with the super fund without legal representation. A lawyer becomes more valuable when:
- A claim has been rejected and you're appealing
- The policy definition is complex or disputed
- There are complications like pre-existing condition exclusions or multiple fund claims
Starting without cost
Before engaging any service, a free eligibility check can give you a sense of your position. Our free assessment is genuinely no cost and no obligation — it's simply the first step in understanding what you may be entitled to.