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TPD & Superannuation · No Win, No Fee

TPD Claims for Physical Injuries Canberra

If a physical injury means you cannot return to work, you may be entitled to a lump sum through your superannuation, as well as any other claim.

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Physical injury, in short

If a physical injury means you cannot return to work, you may be entitled to a lump sum through your superannuation, as well as any other 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 Physical Injuries Canberra: what you need to know

Back and neck injuries, joint injuries, amputations and other physical injuries can make it impossible to return to your usual work, whether the injury happened at work, on the road or at home.

A TPD claim is separate from workers compensation or a motor accident claim, and you may be able to make both. The way one claim is settled can affect the other, so it pays to plan them together.

Physical injuries behind TPD claims

  • Back and spinal injuries
  • Shoulder and knee injuries
  • Amputations
  • Brain injuries
  • Chronic pain conditions
  • Injuries from accidents outside work

TPD after a physical injury

A serious physical injury, such as a back injury, joint damage or amputation, can mean you cannot return to your usual work. TPD insurance in your super may pay a lump sum, separate from any workers compensation or accident claim.

You can usually make a TPD claim at the same time as other claims. Settling one claim can affect another, so the order and timing should be planned carefully.

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 physical injury 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: physical injury

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.

Physical injury: FAQs

Can I claim TPD and workers compensation?
Often, yes. They are separate claims. We make sure one does not reduce the other without good reason.
The insurer says I can do other work. What now?
The test is usually work suited to your education, training and experience. Insurers often apply it too narrowly. Rejected claims can be challenged.
Can I claim TPD and workers compensation?
Often, yes. They are separate entitlements, although some policies have offsets. We look at all your claims together.
Do I have to have stopped work for a certain time?
Many policies require you to have been off work for a waiting period, often three or six months. Check your policy or ask us.
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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