Understanding Total and Permanent Disability Claims and How We Can Help You

29 June 2026

When illness or injury prevents you from permanently returning to work, the financial impact can be overwhelming. Total and Permanent Disability coverage is designed to provide a financial safety net to assist in these situations.

However, many people do not realise that they may be entitled to make a claim through their superfund or insurance provider.

What Is a TPD Claim?

A Total and Permanent Disability (“TPD”) claim allows you to access a lump sum payment through your superfund or insurance policy in the event you sustain an injury or suffer an illness which prevents you from returning to work.

Often without realising it, many Australians have TPD cover as part of their superannuation.

If approved, a successful TPD claim can assist with various essential living expenses, including:

• Medical and rehabilitation costs;
• Mortgage or rent repayments;
• Daily living expenses; and
• Ongoing care and support needs.

Who Can Make a TPD Claim?

If you have TPD cover with your superfund or insurance provider, you may be eligible to lodge a TPD claim if:

1. You have sustained an injury or suffered an illness which prevents you from returning to your usual occupation or any suitable employment; and
2. The medical evidence establishes that your injury or illness is permanent.

The claims process can be challenging and without the right advice and guidance, eligible people may overlook or fail to claim benefits that they are entitled to.

Early Advice Matters

Seeking advice early can:

1. Ensure you comply with any time limits;
2. Help you understand your rights;
3. Make sure you obtain and pursue the correct evidence; and
4. Ensure you have access to your TPD benefit as soon as possible.

Speak With Us About Your TPD Claim

At Rees R & Sydney Jones, we are here to assist you with every step of the claim process to ensure you receive the compensation you deserve. We will support you through the entire process, making it as stress free and straight forward as possible.

We help clients in Rockhampton and throughout Central Queensland. If you or a loved one is unable to return to work due to an injury or illness, contact our office today for a no obligation, free consultation and consider your rights and eligibility to make a TPD claim.