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If you have suffered a significant personal injury, you may be wondering how you can make a claim for Total and Permanent Disability (TPD).

Many people purchase a direct form of insurance from which such a claim can be made.

If you have not purchased a direct form of insurance covering TPD, you can check your superannuation statement which is usually sent out annually or can be checked online.

There may be a reference to TPD insurance and if you have sustained a permanent injury, a claim is possible but will depend on the policy and definition.

The level of disability required to qualify for a TPD claim will depend on the definitions contained in the policy. Definitions vary between superannuation providers.

The first step is to determine which definition is applicable to you and to contact the superannuation provider.

If the policy and its definition aligns with your situation and injuries, you may be entitled to the amount shown on the insurance or superannuation statement prior to you becoming disabled. However in order to prove that you satisfy the policy you will need expert evidence to establish the extent and impact of your disabilities.

If you believe you are eligible for a TPD claim, obtaining advice from a personal injury lawyer will take the stress out of the process.

Our Personal Injury Lawyers can provide practical solutions and exceptional results in relation to your compensation claim, on a No Win, No Fee basis.  Call 1300 773 529 or email a personal injury lawyer at We can then arrange an initial telephone conference to discuss.

Matthews Folbigg has over 50 years’ experience protecting personal injury and compensation rights of people living in Parramatta and the Hills.