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Check your entitlementPlain language explanations of personal injury and TPD claims in Australia, written and legally reviewed by the people who run the matters.
TPD claims for multiple sclerosis
A person living with multiple sclerosis can make a total and permanent disability claim, and the outcome turns on the policy definition, the medical evidence and the work history.
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Can you claim TPD if you are not working
You can sometimes claim total and permanent disability cover when you are not working, but the date you stopped work and whether your cover was still in force usually decide the claim.
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Threshold injuries in New South Wales CTP claims: what the classification means for your claim
A plain explanation of what a threshold injury is in a New South Wales motor accident claim and how it affects statutory benefits and a claim for damages.
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What happens after a TPD payout, and can you work again
After a TPD claim is accepted the benefit is paid to your super fund and released under the fund rules, and returning to work later does not usually undo a payment that was properly made.
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Can you claim TPD while on workers compensation
You can usually claim total and permanent disability cover through your superannuation while you are receiving workers compensation, because the two claims are separate and decided under different rules.
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Making a workers compensation claim in New South Wales
A plain guide to the steps an injured worker in New South Wales takes to make a workers compensation claim, from telling the employer to the insurer's decision.
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Is a TPD payout taxable
A TPD payout can attract tax when it leaves superannuation, and the amount depends on your age and how you take the benefit, so the answer is not the same for every claimant.
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Who actually pays your TPD claim: the fund, the trustee and the insurer explained
A TPD claim inside superannuation runs through three different entities with three different jobs. Understanding who does what explains why claims move slowly, and who is actually accountable when one is declined.
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The lump sum or common law election in a Queensland workers compensation claim
Once a Queensland workers compensation claim is assessed as having a degree of permanent impairment, the injured worker faces a choice between accepting a lump sum and pursuing a common law claim, and the two paths cannot both be taken in full.
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Journey claims in Queensland: workers compensation and CTP
A trip between home and work in Queensland can be covered by workers compensation, and if a vehicle was at fault it can also involve a separate CTP claim.
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Hit by an uninsured or unidentified driver in New South Wales: nominal defendant claims
If the driver who caused your motor accident in New South Wales cannot be identified or was not insured, a claim can still be made against the Nominal Defendant, which stands in for the missing insurer.
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Hit by an uninsured or unidentified driver in Queensland: nominal defendant claims
If the driver who caused your motor accident in Queensland cannot be identified or was not insured, the claim is made against the Nominal Defendant, a statutory body that stands in for the missing insurer.
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TPD when you are self employed or a sole trader
A total and permanent disability claim is still open to self employed people and sole traders, though proving the claim usually takes a different kind of evidence than an employee would provide.
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Injured as a labour hire worker or contractor: who you claim against
If you were injured while placed with a host business or working as a contractor, more than one entity may owe you a duty, and working out which one to claim against depends on how the arrangement was structured.
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CTP claims in New South Wales: how a motor accident claim works
A plain guide to how a compulsory third party motor accident claim proceeds in New South Wales, from the statutory benefits stage through to a damages claim.
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CTP claims in Queensland: how a motor accident claim works
A plain guide to how a compulsory third party motor vehicle accident claim proceeds in Queensland, from notifying the insurer through to a settled claim.
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Whole person impairment: how the percentage is worked out
Whole person impairment is a percentage that measures how much a permanent injury affects your whole body, assessed by a doctor against an accepted medical guide rather than calculated from a table.
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Making a WorkCover claim in Queensland
A Queensland workers compensation claim starts with notifying your employer and lodging an application with the insurer, and moving quickly protects both your medical treatment and your entitlements.
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TPD claims for mental health conditions
A total and permanent disability claim based on a mental health condition is assessed the same way as a physical claim, but the evidence needed is different and often takes longer to gather.
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The TPD claim process, step by step
A total and permanent disability claim moves through a set sequence, from gathering policy details to a fund decision, and knowing the order helps you prepare.
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How much is a TPD payout
A TPD payout is set by the sum insured in your superannuation policy and is not a fixed amount, so it depends on your cover, your fund, and your circumstances.
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Income protection vs TPD, which covers you
Income protection replaces part of your income while you are temporarily unable to work, while total and permanent disability cover pays a lump sum when you can never work in a suited role again, and many people hold both without realising it.
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How long does a TPD claim take
There is no fixed timeline for a TPD claim. How long it takes depends on the medical evidence, the fund and insurer involved, and whether a review is needed.
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TPD claim rejected? What to do next
A rejected TPD claim is often not the end of the matter. Many rejected claims are later paid on review. Here is how the review process works, explained in plain English.
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