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  • What is TPD?
  • Do you have TPD insurance?
  • Making a TPD claim
  • Total & Permanent Disablement

Trilby Misso - TPD Experts

What is TPD?

TPD (commonly known as Total and Permanent Disability or Total and Permanent Disablement) is an insurance benefit available under a superannuation fund. This is available in addition to the contributions (account balance) made by the employer/fund member.

The Superannuation Complaints Tribunal determines TPD eligibility as to the extent a person will ever again be able to work for reward or engage in any gainful employment he/she is reasonably qualified by education, training or experience as a result of an injury or illness.

Each superannuation fund defines TPD with some differences so each fund’s trust deed and/or insurance policy will need to be carefully reviewed to ensure that the criteria of that fund has been met.

There is a large and complex body of case law explaining the various TPD definitions contained in superannuation funds’ trust deeds/insurance policies and the words contained in them.

We can assist you in submitting the strongest possible TPD claim to the superannuation fund.

Watch our Head of TPD and learn more about making a TPD claim

Making a TPD claim


Who can make a claim for TPD?

You can make a claim for TPD if:

  • You have ceased your employment and/or duties as a result of an illness and/or injury (please note this does not mean your employment must be formally terminated)
  • You are unlikely to return to your employment duties as a result of this illness or injury and you were under the age of 65 years when you ceased this employment and
  • You were a member of a Superfund at the time you ceased your employment and had TPD insurance at the time you became unwell.

What are my rights?

Any rights that you have are governed under your Superannuation Fund Policy Document. Please call us on 1300 INJURY to find out what your options are.

Can we help?


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