Stephen Browne Personal Injury Lawyers offer legal representation on a No Win, No Fee* basis and will fight for your right to compensation. Make an enquiry and find out how much your claim is worth.
Your total and permanent disability insurance claim follows any injury or illness which stopped you from working in:
Your usual job
Any role that your suits your experience, training or education
Many superannuation funds include total and permanent disability insurance, or it can be a stand-alone policy. Total and permanent disability insurance exists to provide financial support (usually a lump sum payment) if you suffer any injury or illness that permanently prevents or disables you from returning to your job.
Each total and permanent disability insurance policy is different. Different policies define ‘what total and permanent disability is’ and the circumstances under which they will make a lump sum payment.
Depending on the terms of your policy, total and permanent disability insurance covers you for being unable to work in:
The job you had before your disabling injury or illness
Any job you’re suited to because of your experience, training, or education
You can make a TPD insurance claim if your injury or illness means you’re permanently prevented from working in your usual job, or in any other role that you’re suited for (because of your experience, training or education). The injury or illness doesn’t have to be work-related.
Your TPD claim can be due to, for example:
Cancer
A heart attack
Chronic illness
A physical injury sustained anywhere – at home, playing sport, on the road or at work
A mental illness, in certain circumstances
An experienced TPD claim lawyer can help ensure that you secure the maximum compensation you’re entitled for your total permanent disability claim.
Our TPD claim lawyers can also help you to navigate the process so you’re able to focus on the needs of your injury or illness. At Stephen Browne Personal Injury Lawyers, we’re committed to assisting you in achieving the best outcome for your total and permanent disability claim.
At Stephen Browne Personal Injury Lawyers, we believe all people should have access to legal services, no matter their financial status. For most personal injury claims, we work on a No Win No Fee* basis. You’ll only be charged our legal fees if we win your case.
With years of local experience in Perth, Joondalup and across Western Australia, our top-rated team are the experienced local personal injury lawyers you deserve.
*Conditions do apply
TTD insurance is payable while you’re temporarily totally disabled from working because of your injury or illness. This type of insurance can be helpful if you’re temporarily unable to work in your usual role or are working reduced hours because of the impact of your injury or illness.
However, it’s important to note that TTD insurance payments are for a limited period of time.
If you have made a claim, Stephen Browne’s No Win No Fee* local lawyers can review it to ensure you maximise the compensation you're entitled to claim.
Complete the form, and our Client Service Team will contact you.
*Conditions apply.
In Australia, total and permanent disability insurance policies are available through:
Your superannuation fund
As a separate policy, or packaged with a life insurance policy
If you’re not sure of your cover or how to progress with your total and permanent disability claim, get in touch with us. We can arrange for an obligation-free first consultation to review your TPD claim and provide advice specific to your circumstances.
Each claim for total and permanent disability insurance is different. Our team at Stephen Browne Personal Injury Lawyers are passionate about ensuring everyone has access to the entitlements they deserve, regardless of their background or financial situation.
Our TPD claim lawyers offer No Win, No Fee* representation for total and permanent disability claims. Read more here about what that means for your situation or get in touch with our team to schedule an obligation-free consultation.
There isn’t a legal framework requiring total and permanent disability insurance companies to make decisions within a certain time.
On average, successful total and permanent disability insurance claims take between 6 to 12 months. Your circumstances, injury, illness and policy details are all relevant to how long a TPD claim can take. Our experienced TPD lawyers can help you navigate the total and permanent disability claims process.
Life insurance is different from TPD insurance and provides a lump sum payment to your nominated beneficiaries when you die. If your life insurance policy has ‘terminal illness cover’, the lump sum payment could be made if you’re diagnosed with a terminal illness with a reduced life expectancy.
If your life insurance policy doesn’t name any beneficiaries, your estate or policy trustee will decide who the lump sum is paid to.
