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TPD Lawyers Sydney
If a serious injury or illness has left you permanently unable to work, you may have a Total and Permanent Disability (TPD) claim through your superannuation fund — often worth tens or hundreds of thousands of dollars. Our TPD lawyers Sydney at Gajic Lawyers specialise in maximising superannuation TPD payouts for injured and ill NSW workers. We act on a No Win No Fee basis. Call 1800 318 002 for a free assessment.
What Is a TPD Claim in NSW?
A Total and Permanent Disability (TPD) claim is a claim made through your superannuation fund — or a separate TPD insurance policy — when you have suffered an injury or illness that permanently prevents you from returning to work in your own occupation, or in some policies, any occupation you are reasonably suited to by education, training, or experience.
Most Australians have TPD insurance embedded within their superannuation fund, often without realising it. Your superannuation fund annual statement or product disclosure statement will confirm whether you hold cover and the applicable benefit amount. Our Sydney TPD lawyers will identify all funds in which you hold cover — some people have multiple super accounts with multiple TPD policies.
Who Can Make a TPD Claim in NSW?
You may have a valid TPD claim if you:
- Suffer from a permanent physical or psychological condition that prevents you from working
- Have been off work for at least 3–6 consecutive months due to your condition (varies by policy)
- Were a member of a superannuation fund with TPD cover at the time your condition arose
- Have not yet reached retirement age
Common conditions giving rise to TPD claims include spinal injuries, traumatic brain injuries, cancer, heart disease, severe psychiatric conditions, and chronic pain disorders. Our TPD lawyers Sydney regularly secure claims for clients with a wide range of conditions — do not assume your condition will not qualify without getting our expert advice first.
How to Make a TPD Claim Through Superannuation in NSW
1. Identify all superannuation funds where you hold cover — we assist with this. 2. Gather all medical records, specialist reports, and employment history documentation. 3. Lodge a TPD claim with each relevant fund. Each fund has its own forms, definition of TPD, and assessment process. 4. If the fund denies or reduces your claim, our TPD lawyers Sydney can challenge the decision through the Australian Financial Complaints Authority (AFCA) or the courts. 5. Many denied TPD claims can be overturned with the right legal representation and medical evidence.
What Other Claims May Run Alongside a TPD Claim?
If your permanent disability arose from a workplace injury, you may also have an active workers compensation claim in NSW. If your injury occurred in a motor vehicle accident, a CTP claim may also apply. If your injury occurred in a public place, a public liability claim may run concurrently. Our team will identify and manage all available claims simultaneously.
NSW TPD — Superannuation Laws and Dispute Resolution
TPD claims in Australia are primarily governed by your superannuation fund’s product disclosure statement (PDS) and trust deed, interpreted under the Superannuation Industry (Supervision) Act 1993 (Cth). Disputes are handled by AFCA or, in complex cases, the Federal Court of Australia. Our Sydney TPD team has experience at every level of this process.
Frequently Asked Questions — TPD Lawyers Sydney
How long does a TPD claim take?
Most TPD claims resolve within 6–18 months, depending on the fund, the complexity of the medical evidence, and whether the claim is disputed. Our team works to progress claims as efficiently as possible.
Can my TPD claim be denied?
Yes — funds deny TPD claims for various reasons including insufficient medical evidence, definition disputes, or occupational classification issues. A denied claim is not the end of the road. We regularly succeed on appeal or at AFCA.
Contact Our Sydney TPD Lawyers Today
Can’t work due to permanent injury or illness? Call Gajic Lawyers on 1800 318 002 today for a free TPD claim assessment. Our TPD lawyers Sydney will review your super fund cover, assess your eligibility, and pursue your maximum entitlement on a No Win No Fee basis.