TPD claim questions, answered
The questions we hear most often from Australians considering a TPD claim.
What does TPD stand for?+
TPD stands for Total and Permanent Disability — a type of insurance that pays a lump sum if injury or illness permanently stops you from working.
Do I need to be a lawyer or pay upfront to claim?+
No. Our eligibility check is free. Many TPD claims handled by specialist firms run on a 'no win, no fee' basis, so you generally only pay if your claim succeeds. We'll always be upfront about any costs.
I have super with several old funds — can I still claim?+
Often yes — and you may have cover across several of them. Many Australians can lodge claims against more than one fund, increasing the total potential payout. We help identify all relevant cover.
Can I claim for depression, anxiety or PTSD?+
Yes. Mental health conditions are among the most common grounds for successful TPD claims, provided the condition prevents you from working in line with your policy definition.
How long does a TPD claim take?+
It varies. Straightforward claims may resolve in a few months; complex or disputed claims can take longer. Strong medical evidence and a well-prepared claim help speed things up.
My claim was rejected. Is it over?+
Not necessarily. Many rejected claims are later approved on review or dispute. Get the reasons in writing, gather stronger evidence, and consider escalating to AFCA. We can help you review your options.
Will checking my eligibility affect my super or cost me anything?+
No. Checking your eligibility is free, confidential, and carries no obligation. It does not affect your super balance.
What information do you collect when I enquire?+
We collect the details you provide plus limited technical information (such as your IP address and device details) for fraud prevention and to verify authenticity, in line with our Privacy Policy.
Find out if you can claim — in under 2 minutes
Free, confidential, no-obligation eligibility check. No win, no worry.