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We act on TPD claims Australia-wide, in every state and territory.
That covers New South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania, the Australian Capital Territory, and the Northern Territory. TPD claims turn on the policy and the fund, not on where you live, so we can act wherever you are.
Declined TPD Claims
A declined claim is rarely the end. We can take a declined matter back through Internal Dispute Resolution, AFCA, and litigation, and we frequently identify policy-interpretation arguments the original claim missed.
Multiple Super Funds
Most Australians who have changed jobs have multiple super accounts, each with its own TPD policy. We identify every active policy and claim them in parallel. See: Can I claim TPD if I have multiple super funds?
Mental Health TPD
Mental-health TPD claims are increasingly common and disproportionately declined or delayed. Strong contemporaneous medical evidence and detailed treatment history matter more than for physical-injury claims.
Internal Dispute Resolution
The IDR process is the first formal step after a claim is declined or partially paid. Submissions need to engage with the trustee's specific reasoning, not restate the original claim.
AFCA Complaints
Where IDR fails, the next step is a complaint to the Australian Financial Complaints Authority. AFCA can substitute the trustee's decision and award benefits where appropriate.
TPD Litigation
Where AFCA does not resolve the matter, we conduct supreme-court proceedings against the trustee or insurer. Litigation is used sparingly but is part of the practice.
How we work
A partner handles the matter throughout. We will tell you candidly, before we accept the brief, whether we believe the claim is winnable on the medical evidence and policy wording.