Australian Total and Permanent Disability (TPD)
We are in an independent referral service which assists Australians with TPD claims. We have access to specialist lawyers who may be able to help you make a claim on your TPD cover, and advise you of your legal rights if your claim has been denied or delayed by an insurance company.
If you need legal assistance, please feel free to complete the online Contact Form or dial our freecall helpline. This is an obligation-free service.
LEGAL HELPLINE: 1800 352 100
What is TPD Cover ?
TPD insurance cover pays a lump sum if you suffer an illness or injury that prevents you from working.
Common reasons for TPD claims include musculoskeletal disorders, degenerative disease, amputations, loss of eyesight, cancer, heart disease and mental illness.
TPD insurance is often attached to death cover (Term Life policy) – often through your superannuation fund. Superannuation is compulsory in Australia, and chances are that you probably have TPD cover attached to your Super, without you knowing about it. If you are unsure if you have TPD cover, you should contact your Super Fund.
TPD cover is also available as a stand-alone product which you can purchase from some of the major insurance companies.
Who offers TPD cover?
There are many insurance companies which offer TPD cover. The main companies which offer Australians TPD cover are listed below:
AIA Australia
AMP Life
ASTERON Life
AVIVA
AXA
Catholic Super TPD
Cbus Death and Total and Permanent Disability Cover
Comminsure
ING Life
Macquarie Life
MetLife
MLC
QSuper
Suncorp
Sunsuper
TOWER Life
WESTPAC
Zurich
If you wish to make a claim on your TPD cover, you will need to complete the necessary forms provided by your insurance company.
If you would like obligation-free legal advice about making a TPD claim or if your insurance company has denied payment of your claim or reduced your benefits, you should seek legal advice immediately. You may be able to appeal the insurer's decision. Time limits do apply so do not delay in seeking advice from a solicitor.
LEGAL HELPLINE: 1800 352 100
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