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Plain-language answers to the most common questions about personal injury and TPD claims in Australia. Updated regularly.
Personal injury
Australian personal injury claim time limits vary by state and claim type. In general, claims must be lodged within 3 years of the injury (or its diagnosis) for most adults, but specific schemes (including motor accidents and workers' compensation) have much shorter notification windows, often as short as 28 days.
TPD
A Total and Permanent Disability (TPD) claim is a request for the lump-sum insurance benefit attached to your superannuation, payable when an illness or injury permanently prevents you from working in your usual occupation (or, depending on the policy wording, in any occupation you're suited to).
Yes. Most people who have held multiple super accounts over their working life have multiple TPD policies, each payable independently. Each fund needs to be claimed against separately, and the policy definitions may differ between funds.
Fees & no win, no fee
Most Australian plaintiff personal injury and TPD lawyers, including Tae & Partners, work on a no win, no fee basis. You pay nothing up-front and nothing if the claim doesn't succeed. If it does succeed, fees are paid out of the recovery, usually as an agreed percentage capped by the relevant state's costs scheme.
No win, no fee (conditional costs agreement) means the law firm only gets paid its professional fees if your claim succeeds. If you lose, you don't pay legal fees. Disbursements (court fees, medical reports, expert opinions) are sometimes also waived, but not always. Check the costs agreement.
TAE & PARTNERS
General information only, not legal advice.