TPD lawyers claim total and permanent disability benefits and income protection through superannuation.
firms
160
regions
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Many Australians have TPD and income protection insurance in their super without knowing it, sometimes across several funds. Lawyers identify policies, prepare the claim and challenge rejections through the fund, AFCA or court.
Why tpd & superannuation claims matters
Many Australians don't know they have TPD or income protection cover in their super, sometimes across several funds, worth tens or hundreds of thousands of dollars.
The Australian context
Insurance in super is regulated under superannuation and insurance law, with disputes going to the Australian Financial Complaints Authority. Definitions of total and permanent disability vary between policies.
★★★★★★★★★★4.1(91)Google rating from 91 reviews, retrieved 18 Sept 2026
Shine Lawyers provides legal services in Dandenong, VIC. Listed practice areas include Personal Injury, Class Actions and Motor Vehicle Accidents / CTP.
Personal Injury+7 moreClass Actions · Motor Vehicle Accidents / CTP · Product Liability · TPD & Superannuation Claims · Public Liability · Insurance Law & Disputes · Medical NegligenceNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.4 languagesLanguages mentioned on the firm’s website: vietnamese, hindi, filipino
★★★★★★★★★★4.8(90)Google rating from 90 reviews, retrieved 18 Sept 2026
Top rated4.8★ or higher from at least 50 Google reviews
Maurice Blackburn Lawyers provides legal services in Toowoomba City, QLD. Listed practice areas include Class Actions, Personal Injury and Motor Vehicle Accidents / CTP.
Class Actions+7 morePersonal Injury · Motor Vehicle Accidents / CTP · Contested Wills & Family Provision · TPD & Superannuation Claims · Medical Negligence · Wills & Estates · Litigation & Dispute Resolution
★★★★★★★★★★4.7(78)Google rating from 78 reviews, retrieved 18 Sept 2026
Maurice Blackburn Lawyers provides legal services in Rockhampton City, QLD. Listed practice areas include Class Actions, Personal Injury and Motor Vehicle Accidents / CTP.
Class Actions+7 morePersonal Injury · Motor Vehicle Accidents / CTP · Contested Wills & Family Provision · TPD & Superannuation Claims · Medical Negligence · Wills & Estates · Litigation & Dispute ResolutionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
★★★★★★★★★★4.6(67)Google rating from 67 reviews, retrieved 18 Sept 2026
Trewin Norman & Co provides legal services in NSW. Listed practice areas include Personal Injury, Workers Compensation and Motor Vehicle Accidents / CTP.
Personal Injury+4 moreWorkers Compensation · Motor Vehicle Accidents / CTP · Public Liability · TPD & Superannuation ClaimsNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
★★★★★★★★★★4.6(67)Google rating from 67 reviews, retrieved 18 Sept 2026
Trewin Norman & Co provides legal services in Mira Mar, NSW. Listed practice areas include Personal Injury, Workers Compensation and Motor Vehicle Accidents / CTP.
Personal Injury+4 moreWorkers Compensation · Motor Vehicle Accidents / CTP · Public Liability · TPD & Superannuation ClaimsNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
★★★★★★★★★★4.8(60)Google rating from 60 reviews, retrieved 18 Sept 2026
Top rated4.8★ or higher from at least 50 Google reviews
Accident Legal Pty Ltd provides legal services in Brisbane City, QLD. Listed practice areas include Personal Injury, TPD & Superannuation Claims and Product Liability.
Personal Injury+4 moreTPD & Superannuation Claims · Product Liability · Motor Vehicle Accidents / CTP · Medical NegligenceNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
★★★★★★★★★★4.5(59)Google rating from 59 reviews, retrieved 18 Sept 2026
Turner Freeman Lawyers provides legal services in Penrith, NSW. Listed practice areas include Personal Injury, Property & Conveyancing and Litigation & Dispute Resolution.
Personal Injury+7 moreProperty & Conveyancing · Litigation & Dispute Resolution · Wills & Estates · TPD & Superannuation Claims · Employment Law · Class Actions · Motor Vehicle Accidents / CTPNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
★★★★★★★★★★4.6(58)Google rating from 58 reviews, retrieved 18 Sept 2026
Shine Lawyers provides legal services in Earlville, QLD. Listed practice areas include Personal Injury, Class Actions and Motor Vehicle Accidents / CTP.
Personal Injury+7 moreClass Actions · Motor Vehicle Accidents / CTP · Product Liability · TPD & Superannuation Claims · Public Liability · Insurance Law & Disputes · Medical NegligenceNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
★★★★★★★★★★4.6(57)Google rating from 57 reviews, retrieved 18 Sept 2026
Shine Lawyers provides legal services in Avondale Heights, VIC. Listed practice areas include Personal Injury, Class Actions and Motor Vehicle Accidents / CTP.
Personal Injury+7 moreClass Actions · Motor Vehicle Accidents / CTP · Product Liability · TPD & Superannuation Claims · Public Liability · Insurance Law & Disputes · Medical NegligenceNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
★★★★★★★★★★4.8(55)Google rating from 55 reviews, retrieved 18 Sept 2026
Top rated4.8★ or higher from at least 50 Google reviews
Maurice Blackburn Lawyers provides legal services in Craigieburn, VIC. Listed practice areas include Class Actions, Personal Injury and Motor Vehicle Accidents / CTP.
Class Actions+7 morePersonal Injury · Motor Vehicle Accidents / CTP · Contested Wills & Family Provision · TPD & Superannuation Claims · Medical Negligence · Wills & Estates · Litigation & Dispute Resolution
★★★★★★★★★★4.0(49)Google rating from 49 reviews, retrieved 18 Sept 2026
Ryan Carlisle Thomas Lawyers provides legal services in Glenroy, VIC. Listed practice areas include Wills & Estates, TPD & Superannuation Claims and Personal Injury.
Wills & Estates+7 moreTPD & Superannuation Claims · Personal Injury · Public Liability · Medical Negligence · Workers Compensation · Planning & Environment · Business & Commercial LawNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consult
★★★★★★★★★★4.0(49)Google rating from 49 reviews, retrieved 18 Sept 2026
Ryan Carlisle Thomas Lawyers provides legal services in Dandenong, VIC. Listed practice areas include Wills & Estates, TPD & Superannuation Claims and Personal Injury.
Wills & Estates+7 moreTPD & Superannuation Claims · Personal Injury · Public Liability · Medical Negligence · Workers Compensation · Planning & Environment · Business & Commercial LawNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
★★★★★★★★★★4.6(49)Google rating from 49 reviews, retrieved 18 Sept 2026
Shine Lawyers provides legal services in Hamilton, NSW. Listed practice areas include Personal Injury, Class Actions and Motor Vehicle Accidents / CTP.
Personal Injury+7 moreClass Actions · Motor Vehicle Accidents / CTP · Product Liability · TPD & Superannuation Claims · Public Liability · Insurance Law & Disputes · Medical NegligenceNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consult
★★★★★★★★★★4.8(48)Google rating from 48 reviews, retrieved 18 Sept 2026
Shine Lawyers provides legal services in Bundaberg Central, QLD. Listed practice areas include Personal Injury, Class Actions and Motor Vehicle Accidents / CTP.
Personal Injury+7 moreClass Actions · Motor Vehicle Accidents / CTP · Product Liability · TPD & Superannuation Claims · Public Liability · Insurance Law & Disputes · Medical NegligenceNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
★★★★★★★★★★4.6(40)Google rating from 40 reviews, retrieved 18 Sept 2026
Shine Lawyers provides legal services in Greenslopes, QLD. Listed practice areas include Personal Injury, Class Actions and Motor Vehicle Accidents / CTP.
Personal Injury+7 moreClass Actions · Motor Vehicle Accidents / CTP · Product Liability · TPD & Superannuation Claims · Public Liability · Insurance Law & Disputes · Medical NegligenceNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
★★★★★★★★★★4.9(33)Google rating from 33 reviews, retrieved 18 Sept 2026
Stacks Goudkamp provides legal services in Liverpool, NSW. Listed practice areas include Personal Injury, Motor Vehicle Accidents / CTP and Medical Negligence.
Personal Injury+7 moreMotor Vehicle Accidents / CTP · Medical Negligence · Workers Compensation · TPD & Superannuation Claims · Public Liability · Building & Construction · Employment LawNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
★★★★★★★★★★4.9(32)Google rating from 32 reviews, retrieved 18 Sept 2026
Coastal Compensation Law Specialists provides legal services in Gosford, NSW. Listed practice areas include Workers Compensation, Personal Injury and Motor Vehicle Accidents / CTP.
Workers Compensation+5 morePersonal Injury · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Public Liability · Domestic Violence & AVOsNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
★★★★★★★★★★4.7(30)Google rating from 30 reviews, retrieved 18 Sept 2026
Maurice Blackburn Lawyers provides legal services in Hamilton Hill, WA. Listed practice areas include Class Actions, Personal Injury and Motor Vehicle Accidents / CTP.
Class Actions+7 morePersonal Injury · Motor Vehicle Accidents / CTP · Contested Wills & Family Provision · TPD & Superannuation Claims · Medical Negligence · Wills & Estates · Litigation & Dispute ResolutionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.6 languages
★★★★★★★★★★4.4(29)Google rating from 29 reviews, retrieved 18 Sept 2026
Whitelaw McDonald Personal Injury Lawyers - Newcastle provides legal services in Kotara, NSW. Listed practice areas include Workers Compensation, Wills & Estates and Personal Injury.
Workers Compensation+7 moreWills & Estates · Personal Injury · Property & Conveyancing · De Facto Relationships · Powers of Attorney & Guardianship · Public Liability · TPD & Superannuation ClaimsNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
★★★★★★★★★★3.9(28)Google rating from 28 reviews, retrieved 18 Sept 2026
Hall G H Barrister & Solicitor provides legal services in Dandenong, VIC. Listed practice areas include Wills & Estates, Personal Injury and Property & Conveyancing.
Wills & Estates+6 morePersonal Injury · Property & Conveyancing · Family Law · Probate & Estate Administration · TPD & Superannuation Claims · Skilled & Business VisasNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
★★★★★★★★★★4.7(26)Google rating from 26 reviews, retrieved 18 Sept 2026
Shine Lawyers provides legal services in Pialba, QLD. Listed practice areas include Personal Injury, Class Actions and Motor Vehicle Accidents / CTP.
Personal Injury+7 moreClass Actions · Motor Vehicle Accidents / CTP · Product Liability · TPD & Superannuation Claims · Public Liability · Insurance Law & Disputes · Medical NegligenceNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
★★★★★★★★★★4.8(24)Google rating from 24 reviews, retrieved 18 Sept 2026
Turner Freeman Lawyers provides legal services in North Lakes, QLD. Listed practice areas include Personal Injury, Property & Conveyancing and Litigation & Dispute Resolution.
Personal Injury+7 moreProperty & Conveyancing · Litigation & Dispute Resolution · Wills & Estates · TPD & Superannuation Claims · Employment Law · Class Actions · Motor Vehicle Accidents / CTPNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
★★★★★★★★★★4.3(22)Google rating from 22 reviews, retrieved 18 Sept 2026
Turner Freeman Lawyers provides legal services in Newcastle, NSW. Listed practice areas include Personal Injury, Property & Conveyancing and Litigation & Dispute Resolution.
Personal Injury+7 moreProperty & Conveyancing · Litigation & Dispute Resolution · Wills & Estates · TPD & Superannuation Claims · Employment Law · Class Actions · Motor Vehicle Accidents / CTPNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
★★★★★★★★★★5.0(20)Google rating from 20 reviews, retrieved 18 Sept 2026
Tolson & Co provides legal services in Coffs Harbour, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+7 moreWorkers Compensation · Public Liability · Medical Negligence · Motor Vehicle Accidents / CTP · Aviation Law · Health & Medical Practitioner Law · TPD & Superannuation ClaimsNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
Understand the next step
A practical guide to tpd & superannuation claims
What to discuss at the first meeting
Identify every relevant fund or policy and the period when cover may have applied. The policy terms, work history and evidence requested by the insurer are central to the assessment.
Ask about each possible policy separately rather than assuming all funds use the same test.
How the engagement may progress
01
Provide a chronology, relevant locations and employer or insurer details, together with forms and decisions already received.
02
Discuss medical, employment, incident and expense records. Ask who will obtain reports and how access, privacy and expert costs will be managed.
03
Have any offer, assessment or release explained before agreeing. Clarify what a resolution would cover and whether related claims need separate advice.
Fees and the scope of work
Ask for the written meaning of no win, no fee, including expenses, any uplift and possible other costs. The phrase alone is not enough to compare arrangements.
Ask for a written scope identifying the work you are authorising, the person responsible and when costs will be reviewed. If you only want advice on one step, say so before the firm begins wider work.
Dates to raise at first contact
Ask early about notice, claim and review limits in the relevant scheme. Keep the incident date and every insurer decision available for assessment.
Questions to ask a tpd & superannuation claims adviser
Which policy terms are being assessed?
Does the quote include a review of an adverse decision?
Which scheme or policy are you assessing?
Who pays for reports and other evidence?
What could I pay if the claim does not succeed?
Directory guidance updated 19 September 2026. General information to help you prepare for a conversation with a professional; not advice about your individual matter. Check current requirements with the relevant authority.
Good to know
Frequently asked questions
Do I have TPD cover?
Check your super statements or ask your fund. Many funds provide default cover, and you may have cover in old accounts.
What does no win, no fee mean?
You pay the lawyer's professional fees only if the claim succeeds. You may still be responsible for costs such as medical reports, and in some cases the other side's costs, so ask for a written costs agreement.
How long does a claim take?
Simple claims can settle within months. Claims involving serious injuries usually wait until your condition has stabilised so the full impact can be assessed, which can take a year or more.
