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 and is sometimes referred to as super claims. 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.
If you have experienced any of the following, you may be eligible to claim TPD:
- Mental illness
- Multiple Sclerosis (MS)
- Chronic fatigue syndrome
- Heart attack
- Spinal injury
- Brain damage
- Parkinson's Disease
Many other illnesses may also be covered. Learn more about TPD claims.
Download our TPD Claims brochure to learn more about your eligibility to make a claim for Total & Permanent Disablement.