Total and Permanent Disability Claims

If you have suffered an injury or otherwise been affected by illness that has affected your ability to work, then you may be able to claim for Total Permanent Disability (TPD) under your superannuation policy.

Most importantly you might be able to make this claim even if you were at fault for the incident which lead to you injury

In order to make a TPD insurance claim you will need to show that you are unable to perform work and have not, in fact, performed work for a period of 6 months or so for which you are suitable by way of training, experience or education.

A TPD payment is generally made in a lump sum and our team of TPD insurance lawyers are usually able to advise you within 6 months whether the claim will be approved.

At Sinnamon Lawyers, we act No Win No Fee basis in relation to these claims. We strongly urge you to consider engaging a TPD lawyer to make a claim on your behalf.


You can engage us at any time, even if you have submitted your own documentation initially.


We recommend that you do not accept the insurance company’s refusal to pay your claim as the final word. In our experience of successful TPD claims, some refusals can be quite unreasonable. 

We're here to provide advice

To find out if you are eligible for total permanent disability compensation, please contact us through our website, or call us today.

FAQs about Total Permanent Disability Claims

The legal processes involved with TPD insurance claims may vary depending on the nature of your injuries and the amount of compensation you intend to claim.


We are happy to guide you through the TPD claims process step by step to ensure you lodge your claim with all the correct forms and medical reports.

The amount of TPD compensation you can claim will be based on your personal circumstances. The conditions of your superannuation policy may also influence your TPD payment. After reviewing your situation, our team of TPD lawyers will be able to provide you with a more accurate idea of what you are entitled to.

As with all cases involving personal injury, strict time limits apply to TPD claims. If you fail to take legal action within the required time limit, there is a chance you could lose your entitlement to claim. To ensure you meet every legal deadline, be sure to lodge your claim quickly.

A range of serious injuries and illnesses are covered by TPD claims. To qualify for a TPD payment, you must be able to demonstrate that you can no longer work.

While TPD claims cover a broad range of injuries, these are some of the most common conditions associated with TPD insurance claims:

  • Hearing loss
  • Vision impairment
  • Mental health conditions
  • Spinal injuries
  • Brain injuries.

If your ability to work has been affected by a serious injury or illness, you may be eligible for a TPD payment. TPD insurance claims can be made by individuals who can no longer earn income in their former capacity.


TPD insurance claims are designed to provide financial support so that you can get on with your life. This type of compensation can be made available through your superannuation fund.

What we offer

There are strict limitation periods that apply to these claims, so for further information, please complete the online enquiry or give us an obligation free call.

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