James Lassen
Legal Practice Director | Special Counsel
Stephen Browne Perth
English
Partial Impairment or Total & Permanent Disability (TPD) Lawyers Perth & Western Australia
If you can’t work because of a permanent physical or psychological injury or illness, our trusted TPD lawyers are committed to helping you obtain the best outcome.
What's a TPD claim?
A TPD claim is a total and permanent disability claim. Many superannuation funds include total and permanent disability insurance, or it can be a stand-alone policy. TPD insurance may pay a lump sum if you can’t work because of total and permanent disability due to injury or illness.
Who’s eligible for a total and permanent disability insurance claim?
Each total and permanent disability insurance policy has its own:
Definition of what it means to be totally and permanently disabled due to injury or illness
Exclusions for specific injuries and illnesses
There are a few requirements common to most TPD claim eligibility, including:
A certain level of disability from your injury or illness, stopping you from returning to your previous role or to work at all
Waiting periods before lodging a TPD claim, so your injury or illness has fully established
A minimum period of employment before making a TPD claim
Our trusted TPD lawyers can review your total and permanent disability insurance policy (or policies) in depth and advise on your specific circumstances.
What type of injury or illness for a TPD claim?
To be eligible for a TPD claim, your injury or illness must meet your policy’s (or policies’) definition of total and permanent disability. You may have a:
Physical injury, e.g. a back injury or limb amputation from a severe car accident
Psychological injury, e.g. depression or PTSD from a work injury
Chronic illness, e.g. cancer or a heart condition
Degenerative condition, e.g. Parkinson’s disease
Other medical condition
What total and permanent disability insurance can I claim?
Your entitlement to lump sum TPD insurance depends on:
Your TPD policy wording
The impact of your disability on your life and ability to work
At Stephen Browne, we believe all people should have access to legal services, no matter their financial status. For most TPD claims, our trusted TPD lawyers work on a No Win No Fee* basis.
With years of local experience in Perth and Western Australia, our top-rated team are the experienced, local TPD lawyers you deserve.
What is the TPD claim process?
At Stephen Browne, our experienced local TPD claim team have been helping Western Australians for nearly 40 years. Each client and their TPD claim circumstances are unique, and so the time for the process can vary. No matter the stage of your TPD claim, we’re here to help, advise and support you. Below are the four key stages of a TPD claim.
Obligation-free TPD claim review
No matter what stage your TPD claim has reached, Stephen Browne’s No Win No Fee* local TPD lawyers can review it to ensure you achieve the best outcome.
Complete the form and our Client Service Team will contact you.
What to expect from your obligation-free consultation
Your obligation-free consultation will be with an experience TPD lawyer in Perth or Joondalup.
We’re here for you
Our trusted TPD lawyers are here to advise you every step of the way. Our goal is to help you achieve the best outcome. During your consultation, your trusted TPD lawyer will:
Listen to what happened to you and review your claim
Discuss your legal options and potential TPD claim payout
Advise on the TPD claims process and our fees
What to bring
You are welcome to bring a support person to your appointment. Please also bring along any relevant documentation to your TPD claim. This might include:
Photo identification
Medical reports
Copies of any correspondence from your superannuation fund or TPD insurer
Written witness reports of your accident or incident (if relevant)
Written records of work absences caused by TPD injury or illness
Our TPD Lawyers
TPD Claim FAQs
What is TPD Insurance?
TPD insurance is stand-alone insurance, or part of a superannuation policy. It pays a tax-free lump sum if you can’t work due to total and permanent disability caused by an injury or illness.
Do I need a TPD lawyer for a TPD claim?
Stephen Browne’s TPD lawyers are experienced in advising you with total and permanent disability insurance claims and in:
Identifying the strengths of your TPD claim
Identifying any additional documentary evidence needed for your TPD claim
Policy terms, exclusions and the fine print
Waiting periods and time limits
Advising on TPD claims relevant to all types of injury and illness
Managing multiple TPD claims
Additional benefits you may not be aware of
How much do TPD lawyers charge for TPD claims?
At Stephen Browne, we believe everyone should have access to legal services, no matter their financial situation. For most TPD claims, our TPD lawyers work on a No Win No Fee* basis.
*Conditions apply
How do I make a TPD insurance claim?
To make a TPD insurance claim, we can help you:
Locate your TPD insurance policies
Check the eligibility and exclusion clauses
Contact your TPD insurer or superannuation fund to request their TPD claim form
Complete the TPD claim form
Gather all required supporting documentation
Submit your TPD claim and confirm the insurer has all the required information and evidence
How long does a TPD claim take?
Each person’s circumstances are unique, but TPD claims are usually resolved in a shorter time than other injury compensation claims. Our trusted TPD lawyers will work to secure the best outcome for you, as quickly as possible.
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