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TPD & Superannuation · No Win, No Fee

TPD and Critical Illness Claims Canberra

A serious illness can end your working life. You may be able to claim a TPD lump sum, or trauma insurance, through your superannuation.

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Critical illness, in short

A serious illness can end your working life. You may be able to claim a TPD lump sum, or trauma insurance, through your superannuation. United Legal is a Canberra firm based in Fyshwick. We work on a No Win, No Fee basis and your first conversation is free.

TPD and Critical Illness Claims Canberra: what you need to know

Cancer, heart attack, stroke, kidney failure and other serious illnesses can leave people unable to return to work. If your illness means you are unlikely ever to work again in a suitable job, you may be entitled to a TPD payment.

Some people also have trauma or critical illness cover, which pays on diagnosis of a listed condition. We check every policy you have so nothing is missed.

Illnesses that can support a TPD claim

  • Cancer
  • Heart disease and heart attack
  • Stroke
  • Kidney and liver disease
  • Multiple sclerosis and other neurological conditions
  • Diabetes complications

Critical illness, trauma and TPD cover

Many super funds and retail policies include trauma or critical illness cover that pays a lump sum on diagnosis of conditions such as cancer, heart attack or stroke. TPD cover may also pay if the illness stops you working long term.

Policy definitions are detailed and insurers apply them strictly. We read the exact wording of your policy and gather the medical evidence that fits it.

How a TPD claim works

Most superannuation funds include total and permanent disability (TPD) insurance. If illness or injury means you are unlikely ever to work again in a job suited to your education, training and experience, you may be able to claim a lump sum. Many people have cover in more than one fund, and some have income protection too.

Read more about tpd & superannuation claims.

Evidence that helps your claim

You do not need to have everything before you call us, but these records make a TPD claim stronger. Keep copies of anything you have:

  • Your super fund statements and policy details
  • Reports from your treating doctors and specialists
  • Your employment history and qualifications
  • Records of when you stopped work
  • Any letters from the insurer

How much could a critical illness claim be worth?

Every claim is different. The amount depends on the amount of cover in each of your super funds and policies, the policy definitions, and the medical evidence about your capacity to work. We give you an honest estimate once we understand your situation, and we prepare every claim to get its full value rather than settling early.

Why people choose United Legal

  • Three lawyers on every case. Your claim is checked by more than one experienced lawyer, start to finish.
  • A local Canberra firm since 2004. We know the ACT schemes, insurers, doctors and courts.
  • No Win, No Fee. No upfront costs, and you get a written costs agreement before we start.
  • Serious injury experience. Our results include a $20m+ settlement and a $1.4m workers compensation claim.

Watch: critical illness

TPD claims

What to do now

  1. Find out which super funds you have, and whether each has TPD cover.
  2. Collect reports from your treating doctors and specialists.
  3. Write down your work history, training and the work you can no longer do.
  4. Get advice before you lodge, and especially if your claim has been rejected.

Critical illness: FAQs

I am still having treatment. Can I claim now?
Possibly. Many policies require you to have been off work for a set period, often three or six months. We check your policy terms.
Will a TPD payment affect my other benefits?
It can affect some benefits. We explain how a payment may interact with other entitlements, and suggest you get financial advice too.
Can I claim TPD for cancer?
Yes, if the illness means you are unlikely to return to work suited to your education, training and experience. Each policy definition is different.
Do I have to stop treatment to claim?
No. You should get the treatment you need. The claim looks at your likely capacity to work in the future.
How much does a TPD lawyer cost?
We run these claims on a No Win, No Fee basis. Your first conversation is free, there are no upfront fees, and if your claim is not successful you do not pay our professional fees. You get a written costs agreement before we start.
Is there a time limit?
Time limits in TPD policies and for reviewing rejected claims can be short, so do not wait to get advice.

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