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HomeNewsSuperannuationDo you Qualify for a Total and Permanent Disability Claim?

Do you Qualify for a Total and Permanent Disability Claim?

Do you qualify for a Total and Permanent Disability (TPD) claim?

  • If you’ve suffered an injury or illness that prevents you from doing your previous job, you may qualify for a Total and Permanent Disability (TPD) insurance benefit from your superannuation.
  • Eligibility requirements vary by policy and are determined by your insurer or super fund.

Common criteria includes:

Level of disability

  • You must demonstrate a certain level of disability, typically assessed by your ability to return to your previous role or work at all.
  • Superannuation coverage
  • You must have TPD insurance included in your superannuation policy.

Waiting periods

Most policies require a waiting period after the injury date to allow symptoms to stabilize and assess the full extent of the damage.

Employment history

Some policies require a minimum level of employment before you can claim a TPD payout.

Our expert TPD insurance claims team can assess your eligibility under your specific policy, explain your benefits, and assist you in navigating the claims process.

What can I claim for?

Your TPD insurance entitlements depend on your superannuation fund and the impact of your disability on your life and ability to work.


  • You may be eligible for a lump sum payment through your superannuation policy.
  • You may also have coverage for a TPD lump sum through a private life insurance policy.

How long will it take?

TPD claims are typically resolved much quicker than other types of compensation claims, often within four to five months, depending on the circumstances.

Our legal team at McNally Jones Staff is committed to securing the best possible outcome for your TPD claim as quickly and efficiently as possible.

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