Making a Total and Permanent Disability (TPD) claim in Victoria can be stressful, confusing, and time-consuming. A TPD claim is designed to give you financial support if illness or injury prevents you from ever returning to work, but the process isn’t always straightforward.
Every TPD insurance policy—often held through your superannuation fund—has its own definitions, eligibility requirements, and evidence rules. Without help, many people find themselves overwhelmed, or worse, denied the benefits they’re entitled to.
That’s why working with an experienced TPD claim lawyer can make all the difference. At Maddens Lawyers, we’ve been supporting injured people with insurance and compensation claims for more than 70 years. Here’s why legal advice is invaluable when making a TPD superannuation claim.
Understanding TPD claims in Victoria
What is a TPD claim?
A TPD claim is a type of insurance claim you can usually make through your superannuation fund. It provides a lump-sum payment if you are unable to work again in your usual occupation—or sometimes any occupation—due to illness or injury.
How TPD superannuation claims work
The challenge is that 'totally and permanently disabled' doesn’t mean the same thing across every policy. Some funds apply a strict test, requiring you to prove you can’t do any job, while others only require proof that you can’t continue in your usual line of work.
Because the definitions differ, and insurers scrutinise evidence carefully, having a lawyer experienced in TPD claims helps ensure you meet the requirements and maximise your chances of success.
Why you need a lawyer for your TPD claim
Lawyers explain confusing TPD policy definitions
Insurance policies are written in dense, technical language. A good TPD lawyer should cut through the jargon and explain your rights in plain English. They review your superannuation fund’s rules and identify exactly what you need to prove to succeed with your claim.
Without this support, many people mistakenly assume they don’t qualify—when in fact they may be entitled to a substantial payout.
Help with paperwork, medical evidence and forms
A TPD superannuation claim requires extensive paperwork: claim forms, medical evidence, employer statements, and trustee documents. Lawyers ensure everything is completed correctly, reducing the risk of delays or outright rejection.
They also know what medical reports insurers find persuasive and can help you gather the strongest possible evidence for your situation—whether that’s physical injury or mental health grounds.
Support if your TPD claim is delayed or denied
Unfortunately, many TPD claims are delayed or denied by insurers and superannuation trustees. Common reasons include “insufficient medical evidence” or claims that you still have some work capacity.
A lawyer for TPD claims knows how to respond effectively. They can negotiate directly with insurers, challenge unfair decisions, and escalate your matter to the Australian Financial Complaints Authority (AFCA) or court if necessary. This advocacy gives you a real chance at overturning a rejection.
No Win, No Fee means less financial risk
At Maddens Lawyers, we offer No Win, No Fee TPD claims representation. That means you don’t pay legal fees unless your claim succeeds.
This gives you peace of mind—you can focus on your recovery without worrying about upfront costs or financial risks. It also ensures that our team is fully invested in achieving the best possible outcome for you.
The benefits of having a TPD claim lawyer
Stronger evidence and a better chance of success
A lawyer knows what insurers look for and helps you build the strongest possible case, backed by credible medical and supporting evidence. This improves your chances of approval on the first attempt.
Less stress during an already difficult time
Dealing with serious illness or injury is already challenging. Adding complex forms, evidence requests, and insurer negotiations can be overwhelming. A lawyer takes that burden off your shoulders, giving you time to focus on your health.
Clear communication and local support
At Maddens Lawyers, we pride ourselves on speaking in plain English. You’ll never be left in the dark about your claim, and we’ll guide you step by step through the process. With offices across South-West Victoria and the ability to meet online. We’re here when you need us.
Talk to us today
Making a TPD superannuation claim in Victoria is not something you have to do on your own. With confusing policies, strict evidence requirements, and insurers who often push back on claims, having an experienced lawyer makes the process smoother, less stressful, and more successful.
Over 70 years of experience
Maddens Lawyers has a long history of helping clients with personal injury and insurance claims. Our personal injury lawyers are not only skilled but also compassionate. We're proud to serve South-West Victoria and provide support to people during life’s toughest moments. For us, it's personal. Our mission is simple: to help you get the benefits you deserve, with clear advice and compassionate support.
If you're thinking about making a TPD claim, call us today on 1800 815 228 or find out more at maddens.com.au
