What Is a TPD & Superannuation Claim?
A TPD and superannuation insurance claim is a way to access insurance attached to your super if illness or injury means you can’t continue working. They are assessed based on medical evidence and the terms of your insurance policy, not who was at fault, and is in addition to your retirement savings.
Common Conditions Covered by TPD
TPD claims are assessed based on how an injury or illness affects your ability to work under your specific policy, rather than the diagnosis alone:
Serious injuries causing lasting physical or functional limitations, regardless of whether they occurred at work, in transit or elsewhere.
Check Eligibility for Total Permanent Disability Compensation
Cancer, autoimmune conditions, chronic fatigue or progressive illnesses that limit your long-term work capacity.
Check Eligibility for Terminal Illness Benefit Claims
Mental Health Disorders
Severe depression, anxiety disorders, PTSD or other psychiatric conditions that may stop you from returning to work.
Severe Musculoskeletal or Spinal Injury
Back injuries, spinal damage, joint degeneration or chronic pain conditions affecting mobility or strength.
Neurological Conditions
Stroke, acquired brain injury, multiple sclerosis or other neurological disorders causing permanent impairment.
How much compensation can I receive for TPD in WA?
Who Can Make a TPD Claim in WA?
You can make a superannuation and TPD claim in Perth if you are a super member with active TPD insurance, and illness or injury has stopped you from returning to work. If someone with active cover passes away, eligible dependants may also be able to claim death benefits through the super fund.
We help members of major WA super funds, including:
- GESB
- AustralianSuper
- HESTA
- Cbus
- REST
- Hostplus
What Compensation Can You Receive from a TPD Claim?
A TPD claim can provide you with a lump-sum insurance payout when an injury or illness means you can no longer work. It’s paid through your super cover, and is separate from your retirement savings, often used for treatment costs, everyday expenses and maintaining your financial stability.
Check your eligibility with a dree TPD claim assessment
What Evidence Should You Collect for a Claim?
- GP and specialist medical reports
- Diagnostic imaging and test results
- Employer statements and work history
- Vocational or functional capacity report
Can I Work Again After Receiving a TPD Payout?
Depending on the terms of your TPD policy, you may be able to return to a different role or in a different capacity, such as on a part-time or casual basis, even after a payout. Our TPD lawyers in Perth can guide you on how your policy works before you make any decisions about accepting payment.
How Do I Make a TPD Claim in Perth?
When you’re focused on treatment and your new day-to-day with a permanent injury or illness, the last thing you need is a mountain of complex paperwork and the pressure of putting together a TPD claim correctly. The TPD process is notoriously legalistic, and a single missing detail can lead to months of delays. Our team of TPD lawyers in Perth is here to act as your administrative shield, coordinating with doctors and super funds so you don’t have to. We provide the clear, step-by-step guidance you need to replace uncertainty with a plan. To make a TPD claim in Perth, you should:
Step 1: Confirm your TPD cover
Start by speaking with LHD Lawyers or your super fund to understand whether TPD cover applies to you and how your policy works.Step 2: Complete your claim forms
Your super fund or the insurer will provide you with the forms you need to complete as accurately as possible to start your claim.Step 3: Gather evidence
As well as your claim forms, you also need to provide all of your medical reports, employment records and other supporting documentation when you lodge.Step 4: Submit your claims
Once ready, you can submit your claim through your super fund to be assessed by the insurer.Step 5: Review or dispute the decision
If your outcome isn’t what you expected, our experienced TPD lawyers in Perth can help you explore your options to review or challenge the decision.Hear our client’s success stories
Starting the claims process can seem like a big step but without support, we can get you the compensation you deserve. Hear from some of our clients who can tell you just how simple the process is and how life-changing a compensation payout can be.
2025 in numbers
We’re committed to settling compensation claims across Australia and getting our clients the maximum compensation they’re entitled to.
+$220 million
Compensation settled
Allowing our clients and their families to get their lives back on track.
$2,140,000
Largest settlement
For a Motor Vehicle Accident Claim.
Over 2,000
Cases settled
We win over 99% of cases and we're confident we can settle yours.
Meet Our Perth TPD & Superannuation Claims Lawyers
Thousands of WA locals have turned to our Perth TPD lawyers to secure the benefit they’re entitled to receive. We look after the paperwork, liaising with your super fund and insurer, and making sure your claim is handled with care and confidence.
Mario Rodriguez
Senior Associate
Lisa Meys
Partner *
Michelle Chuong
Senior Associate
Frequently Asked Questions
Got questions about making a claim? You’re not alone. Here are some of the most common things people ask us.
Still unsure? Get in touch, we’re here to help.
What does TPD mean in superannuation?
How do I know if I have TPD insurance?
How long do I have to make a TPD claim?
What happens if my TPD claim is rejected?
Can I make multiple TPD claims?
Can I work again after a TPD payout?
How much can I receive from a TPD payout?
How does No Win No Fee work for TPD claims?
Looking for TPD Lawyers Outside of Perth?
Not in Perth? Our TPD specialists work with injured and ill Australians unable to return to work throughout the country, including Sydney, Melbourne, Hobart, Canberra and more. Find your local LHD team today.
Contact Our Perth Office
A: Level 3/8 St Georges Terrace, Perth WA 6000
P: 1800 455 725
E: [email protected]
Office Hours
Monday – Friday
8:30am – 5:00pm
Find A Lawyer in WA
Wherever you are in Western Australia, you can access experienced, specialist WA lawyers who can provide you with expert legal advice and support at every step.
You’ll find our Western Australia office locations below. Or alternatively, if you can’t get to an office, reach out to the Perth office who can make arrangements.