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TPD & Superannuation · No Win, No Fee

TPD Claims for Mental Illness Canberra

Mental illness is one of the most common reasons for TPD claims. If depression, anxiety, PTSD or another condition stops you working, you may be able to claim.

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Mental illness, in short

Mental illness is one of the most common reasons for TPD claims. If depression, anxiety, PTSD or another condition stops you working, you may be able to claim. 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 Claims for Mental Illness Canberra: what you need to know

Psychological conditions can be just as disabling as physical injuries. Insurers often look closely at these claims, so detailed reports from your treating psychiatrist and psychologist are important.

You do not have to prove what caused your condition for a TPD claim. What matters is whether it means you are unlikely ever to work again in a suitable job.

Mental health conditions behind TPD claims

  • Depression
  • Anxiety disorders
  • Post-traumatic stress disorder
  • Bipolar disorder
  • Schizophrenia
  • Psychological injury after an accident

TPD for mental illness

Depression, anxiety, PTSD and other mental illnesses are among the most common reasons for TPD claims, but insurers often dispute them. Strong reports from your psychiatrist and treating team are essential.

Some policies limit or exclude mental illness, so it is important to check your exact policy wording and claim under every fund that may cover you.

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 mental 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: mental illness

TPD claims in Canberra

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.

Mental illness: FAQs

Will I have to talk about my condition in detail?
The insurer will need medical evidence. We handle the process carefully and keep you informed, so you only deal with what is necessary.
My mental illness claim was rejected. Can it be reviewed?
Yes. Rejected claims can be challenged through the fund and the Australian Financial Complaints Authority. Time limits apply.
My insurer says I am still able to work. What can I do?
Insurers often rely on their own assessments. We can challenge their decision with better evidence and, if needed, take it to the Australian Financial Complaints Authority.
Can I claim if I have not seen a psychiatrist?
You can start a claim, but insurers usually expect evidence from a psychiatrist. We can help arrange it.
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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