TPD claim? Get help from Andrew Needham Lawyers!

Superannuation TPD Claims

At Andrew Needham Lawyers, we’re a small, local law firm based in Maroochydore dedicated to helping Sunshine Coast residents access the insurance benefits they deserve. For many years, we’ve assisted clients with Total and Permanent Disability (TPD) claims — from lodging the initial paperwork to successful conclusion. Not accepting of any delays, denials or dithering by insurers.

We understand that dealing with a serious injury or illness can be overwhelming. That’s why we work on a No Win, No Fee basis — so you can focus on your health and recovery while we take care of the legal side.

If you’d like to know how we can help you with a TPD claim, call us on (07) 5406 9984 or send us a message to arrange a free initial consultation.

Why Choose Andrew Needham Lawyers for a TPD claim?

Our lawyers have never lost a TPD claim or had one rejected. True story!

We analyse the policy attached to your superannuation account, take detailed instructions on how your injury happened or how your illness manifested, and we carefully plan and gather all the right evidence at the outset so that your TPD claim is lodged and accepted in the shortest amount of time possible. Our aim from first contact to payment is within 3 - 6 months.

This quick payment ensures you can have the financial security to focus on your recovery, support yourself and your family and the most important part - reduce your stress levels!

Unlike the big law firms that have centralised TPD teams in capital cities and never meet you. We are in Maroochydore and can meet with you face-to-face. Our clients love this aspect and personalised service and we do to!

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Who Can Make a TPD Claim?

You may be eligible to make a TPD claim through your superannuation fund or insurance policy if an illness or injury permanently prevents you from returning to your usual job or any other suitable work.

To qualify, two main conditions generally apply:

You had TPD insurance cover when you stopped working due to your injury or illness. Most superannuation funds include this cover automatically, and if you have multiple super funds, you may be able to make a separate claim under each one.
You can show that you’re unable to work in your usual role or any job suited to your education, training, or experience.

Your condition doesn’t need to be work-related. Many different injuries and illnesses may make you eligible for a TPD claim, such as:

Serious injuries (at home, during sport, or in a car accident)
Heart attack or stroke
Cancer
Chronic or degenerative illnesses

If you’ve been diagnosed with a terminal illness, you may also be able to access your insurance death benefit early, our team can guide you through that process too.

We also help clients make successful claims for psychological conditions, including:

Anxiety and depression
Post-Traumatic Stress Disorder (PTSD)

Insurance policies often contain tricky clauses or fine print that can affect your eligibility. We’ll help you understand your cover and make sure your insurer treats your claim fairly.

Time Limits for TPD Claims

While you can often lodge a TPD claim long after your illness or injury, it’s best to start as soon as possible. There are also strict time limits for challenging an insurer’s decision, so it’s important to get legal advice early - ideally before you submit your claim.

Our experienced TPD lawyers at Andrew Needham Lawyers can review your situation, explain your options, and guide you through each step of the process.

What Compensation Can You Receive?

TPD benefits are usually paid as a lump sum, and the amount depends on the terms of your policy. These payments can range from tens to hundreds of thousands of dollars, though they may reduce as you get older. We’ll help you review your policy and confirm exactly what you’re entitled to.

Multiple Claims and Other Entitlements

If you hold more than one eligible insurance policy, you may be able to lodge multiple TPD claims. However, some insurers have rules limiting payments if you’ve already received another benefit. Our team can assess your policies and help you maximise your entitlements.

You may also have additional benefits available under:

Life insurance
Workers’ compensation
Employer or enterprise agreements
Loan or credit insurance policies

At Andrew Needham Lawyers, we’ll identify every possible avenue to ensure you receive the full compensation you’re entitled to.

How Long Does a TPD Claim Take?

The timeframe for a TPD claim can vary, depending on your insurer and the complexity of your case. The most important thing is to get in touch with us as soon as you think you may have a claim.

Our team at Andrew Needham Lawyers understands the ins and outs of TPD insurance policies. We’ll help you prepare your claim, gather supporting evidence, and explore all possible compensation options.

If you need help with a TPD claim or want to discuss your situation, call Andrew Needham Lawyers on (07) 5406 9984 for a free, no-obligation consultation. We’re here to provide clear advice and personal support every step of the way.