TPD Claims
TPD claims,
made manageable.
When illness or injury stops you working, a Total and Permanent Disability (TPD) claim can unlock a lump-sum benefit, often one you didn’t know you had inside your super. KSC Law’s TPD lawyers handle every stage, whether your cover sits in superannuation or a private policy, with clear guidance and genuine support for the person behind the paperwork. No win, no fee.
No Win No Fee
100% Online Process
Free Initial Consultation
Lump sum
A lump-sum insurance payment, plus early release of your super
30+
Years combined claims experience
91%
Of your compensation retained after fees
100%
Online, no travel, no waiting rooms
Who can claim
You may be able to claim if illness or injury has stopped you working.
A TPD claim lets you access insurance benefits when you can no longer work in your usual occupation, or, under some policies, any occupation, because of illness or injury. Many Australians hold this cover inside their super without realising it. No two situations are the same, so each claim takes a tailored approach.
Unable to return to your usual work
If a long-term condition prevents you from working in your usual occupation, or any occupation you’re suited to by education, training or experience, you may be eligible to claim.
Physical or psychological conditions
Physical injuries, degenerative illness, chronic pain, cognitive conditions, and serious mental health issues such as PTSD, depression or anxiety, whether they develop gradually or follow a sudden event.
Serving & ex-serving ADF members
Service-related conditions are often cumulative and can surface years after service. A TPD claim can sit alongside existing DVA or military supports during a difficult chapter.
What you can claim
The types of TPD cover we handle.
TPD benefits can come from more than one place, and many people qualify under more than one policy. We review your situation across all of them before advising.
01
TPD through superannuation
Most super funds include TPD insurance automatically. If you meet the eligibility criteria, you may be able to access a lump-sum benefit, though every fund has its own forms, processes and medical-evidence requirements.
Lump sum payment
02
Standalone TPD policies
Most super funds include TPD insurance automatically. If you meet the eligibility criteria, you may be able to access a lump-sum benefit, though every fund has its own forms, processes and medical-evidence requirements.
Lump-sum benefit
03
Multiple TPD policies
It’s common to hold cover across more than one fund or policy without realising it. We help identify which apply, how they interact, and what each one requires.
Often more than one
04
Military & veteran TPD
For serving and ex-serving personnel, a TPD claim can complement DVA or military-related entitlements, handled with sensitivity to the service environment.
Alongside DVA
The process
How a TPD claim works with KSC.
Most people who contact us aren’t sure where to start. We take the time to understand your situation, then manage each stage so the process feels far less overwhelming.
Step 1
Initial consultation
We discuss your situation, your superannuation and insurance policies, and what documentation may be needed, and explain the process and timeframes in plain language.
Step 2
Identify & review your cover
We work out which policies apply, interpret each fund or insurer’s definition of disability, and assess your eligibility against them.
Step 3
Gather evidence & lodge
We help gather medical reports, employment history, policy documents and claim forms, make sure each is accurate and complete, and manage communication with your funds or insurers.
Common questions
TPD claims answered plainly.
These are the questions we hear most often. If yours is not here, call us, we will give you a straight answer.
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How do I know if I’m eligible for a TPD claim?
Eligibility depends on your policy’s definition of total and permanent disability and whether your condition prevents you from working. Each insurer or fund sets its own criteria.
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What documents will I need?
Most TPD claims require medical reports, employment history, policy documents and claim forms. We help you gather and organise everything required.
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Can I claim if my cover is outside super?
Yes. Standalone policies have their own rules and definitions. We help you understand which policies apply and what evidence each one needs.
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How long does a TPD claim take?
Timeframes vary between funds and insurers. Once we’ve reviewed your policies and evidence, we’ll give you realistic expectations for your situation.
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Is TPD the same as a DVA claim?
No, a TPD claim is an insurance benefit. It can be accessed alongside DVA entitlements if you meet the eligibility requirements.
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Other claim types
You may be entitled to more than TPD.
Many veterans have overlapping entitlements across DVA, CSC superannuation and TPD insurance. We review all three as part of your initial consultation.
Veterans & Defence
DVA Claims
Service-related injuries, permanent impairment, incapacity payments, and appeals through VRB reviews.
PI payment up to
$580,000 +
Military Superannuation
CSC Claims
Military superannuation, medical discharge entitlements, pension arrears, invalidity benefits, and lifetime pension claims.
Typical entitlement range
$100,000 – $2M +
Australian Defence Force
Abuse Claims
Physical, psychological or sexual abuse during ADF service. You have legal rights we help you access them.
Our commitment
Safe, private & judgment free
You’ve earned support. Let us help you claim it.
Free 30-minute consult · 100% online · We move fast — no runaround