TPD lawyers claim total and permanent disability benefits and income protection through superannuation.
firms
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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.
Law Advice Compensation Lawyers provides legal services in Nirimba Fields, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
Law Advice Compensation Lawyers provides legal services in Adamstown, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
Law Advice Compensation Lawyers provides legal services in Wodonga, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
Law Advice Compensation Lawyers provides legal services in North Wollongong, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
Law Advice Compensation Lawyers provides legal services in Barton, ACT. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
Brookvale, NSW · Sydney North Shore & Northern Beaches
Law Advice Compensation Lawyers provides legal services in Brookvale, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
Law Advice Compensation Lawyers provides legal services in Rouse Hill, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
North Strathfield, NSW · Eastern Suburbs & Inner West
Law Advice Compensation Lawyers provides legal services in North Strathfield, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
Law Advice Compensation Lawyers provides legal services in Smeaton Grange, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
Law Advice Compensation Lawyers provides legal services in Alexandria, NSW. Listed practice areas include Personal Injury, Workers Compensation and Public Liability.
Personal Injury+6 moreWorkers Compensation · Public Liability · Motor Vehicle Accidents / CTP · TPD & Superannuation Claims · Medical Negligence · Building & ConstructionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.
Mahon Legal provides legal services in Bundaberg Central, QLD. Listed practice areas include Motor Vehicle Accidents / CTP, Public Liability and Personal Injury.
Motor Vehicle Accidents / CTP+7 morePublic Liability · Personal Injury · Workers Compensation · Professional Negligence · Workplace Bullying & Stop Bullying Orders · Property & Conveyancing · 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.
Mahon Legal provides legal services in Ipswich, QLD. Listed practice areas include Motor Vehicle Accidents / CTP, Public Liability and Personal Injury.
Motor Vehicle Accidents / CTP+7 morePublic Liability · Personal Injury · Workers Compensation · Professional Negligence · Workplace Bullying & Stop Bullying Orders · Property & Conveyancing · 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.
Maurice Blackburn Lawyers provides legal services in Garbutt, 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.6 languagesLanguages mentioned on the firm’s website: vietnamese, arabic, greek, italian, spanish
Maurice Blackburn Lawyers provides legal services in Trinity Beach, 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.6 languagesLanguages mentioned on the firm’s website: vietnamese, arabic, greek, italian, spanish
Monaco Compensation Lawyers Noosaville provides legal services in Melbourne, VIC. Listed practice areas include Workers Compensation, TPD & Superannuation Claims and Motor Vehicle Accidents / CTP.
Workers Compensation+7 moreTPD & Superannuation Claims · Motor Vehicle Accidents / CTP · Personal Injury · Public Liability · Contested Wills & Family Provision · Medical Negligence · Litigation & Dispute ResolutionNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.Free first consultThe firm advertises a free first consultation.3 languagesLanguages mentioned on the firm’s website: arabic, spanish
Murphy's Law Accident Lawyers provides legal services in Clayfield, QLD. Listed practice areas include Personal Injury, TPD & Superannuation Claims and Insurance Law & Disputes.
Personal Injury+7 moreTPD & Superannuation Claims · Insurance Law & Disputes · Medical Negligence · Property & Conveyancing · Motor Vehicle Accidents / CTP · Business & Commercial Law · Intellectual Property & Trade MarksNo win, no feeThe firm mentions no win, no fee arrangements. Confirm terms in writing.
Ryan Carlisle Thomas Lawyers provides legal services in Melton, 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 consultThe firm advertises a free first consultation.
Ryan Carlisle Thomas Lawyers provides legal services in Pakenham, 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 consultThe firm advertises a free first consultation.
Ryan Carlisle Thomas Lawyers provides legal services in Wonthaggi, 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 consultThe firm advertises a free first consultation.
Ryan Carlisle Thomas Lawyers provides legal services in Geelong, 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 consultThe firm advertises a free first consultation.
Ryan Carlisle Thomas Lawyers provides legal services in Narre Warren, 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 consultThe firm advertises a free first consultation.
Sciaccas Lawyers provides legal services in Brisbane City, QLD. Listed practice areas include Workers Compensation, Public Liability and Personal Injury.
Workers Compensation+4 morePublic Liability · Personal Injury · Motor Vehicle Accidents / CTP · 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.
Sciaccas Lawyers provides legal services in NSW. Listed practice areas include Workers Compensation, Public Liability and Personal Injury.
Workers Compensation+4 morePublic Liability · Personal Injury · Motor Vehicle Accidents / CTP · 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.
Shine Lawyers provides legal services in 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 consultThe firm advertises a free first consultation.4 languagesLanguages mentioned on the firm’s website: vietnamese, hindi, filipino
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.
