Total & Permanent Disability (TPD)
& Superannuation Insurance Claims
If an injury, illness, or medical condition prevents you from returning to work in your qualified occupation, you may have substantial TPD insurance attached to current or past superannuation accounts.
What is a TPD Insurance Claim?
Total and Permanent Disability (TPD) insurance is a cover designed to provide a tax-effective lump sum financial benefit if you suffer an injury or illness that permanently restricts your ability to work.
Most Australians automatically receive TPD cover through their superannuation fund when their account is opened. However, fund rules, policy wording, and definitions vary widely.
Many people are told by their current super fund that they have no TPD cover. However, eligibility is assessed based on the policy active at the date you stopped working.
Even if your current fund shows zero cover, an old superannuation policy from when you were working may still provide valid coverage for your claim.
How MK Allan Lawyers Investigates Your TPD Claim
We handle fund enquiries and policy paperwork at no cost to help establish whether cover exists.
Authority & Fund Enquiry
With your authority, we contact past and present super funds to locate active or historical TPD policies.
Policy & Medical Evaluation
We review policy definitions, medical records, and work history to evaluate the viability of a claim.
Clear Assessment & Fee Options
We explain our legal findings and proposed fee structure before you decide whether to proceed.
Find Out If You Have a TPD Insurance Claim
You do not need to understand insurance terms before contacting us. We offer free initial TPD investigations Australia-wide.