Total and Permanent Disability (TPD) and Superannuation Claims in Brisbane: Expert Assistance from Lime Lawyers

At Lime Lawyers, we assist individuals who are unable to work due to injury or illness in accessing their entitlements through Total and Permanent Disability (TPD) and Income Protection claims. Our experienced team guides you through the complexities of these claims so you can secure the financial support you deserve.

Understanding TPD and Superannuation Claims

Total and Permanent Disability (TPD) insurance provides a lump-sum payment if you are permanently unable to return to work in your usual occupation — or in any other role for which you are reasonably suited by education, training, or experience. Many Australians hold this insurance within their superannuation fund without even realising it.

Superannuation Income Protection (also called Salary Continuance Insurance) offers ongoing payments, typically up to 75% of your pre-injury income, if you are temporarily unable to work due to illness or injury. These benefits are designed to help cover your living expenses while you focus on your recovery.

Eligibility Criteria for TPD Claims

You may be eligible to lodge a TPD claim if:

  • You are unable to return to your usual job.

  • You cannot perform any other work for which you are suited based on your training, education, and experience.

  • Your medical providers confirm that your condition is permanent or long-term.

  • Your TPD policy definitions are met (these can differ between funds and insurers).

Because each policy uses different wording, understanding your entitlements often requires legal expertise. Our team reviews your documents and provides clear advice on your eligibility.

Eligibility Criteria for Superannuation (Income Protection) Claims

Income Protection benefits may apply if:

  • You are medically certified as unable to perform your usual occupation.
  • You are not working in any other capacity during the benefit period.
  • You meet the waiting period requirements outlined in your policy.
  • You continue to provide updated medical evidence as the insurer requires.

Each fund has its own rules, so reviewing your policy terms is essential.

No Win, No Fee

The term No Win No Fee is frequently used by law firms, particularly in personal injury cases.

But what does it actually mean for you, the client?

Lime Lawyers’ No Win No Fee is our commitment. You don’t pay any upfront legal fees – all costs are covered until we achieve a successful outcome for your case.

This arrangement ensures that our clients have the opportunity to seek legal representation and justice when it matters most.

No Win, No Fee

The term No Win No Fee is frequently used by law firms, particularly in personal injury cases.

But what does it actually mean for you, the client?

Lime Lawyers’ No Win No Fee is our commitment. You don’t pay any upfront legal fees – all costs are covered until we achieve a successful outcome for your case.

This arrangement ensures that our clients have the opportunity to seek legal representation and justice when it matters most.

Steps to Take When Considering a TPD or Superannuation Claim

  • 1
    Review Your Policies. Check your superannuation statements or private insurance documents to confirm your coverage.
  • 2

    Obtain Medical Evidence. Secure medical reports detailing your diagnosis, restrictions, and long-term outlook.

  • 3

    Notify the Insurer or Super Fund. Advise them of your intention to lodge a TPD or Income Protection claim.

  • 4

    Complete and Submit Claim Documentation. Ensure all forms and supporting documents are accurately completed — errors can result in delays or refusals.

Expert guidance from start to finish

1. Free Consultation

Talk to our legal
experts today.

2. Case Review

We analyse every
detail carefully.

3. Tailored Strategy

Personalised legal
plan for success.

4. Case Submission

File your claim
with confidence.

5. Final Outcome

Achieve fair
compensation swiftly.

Answers To Common Questions

A Total and Permanent Disability (TPD) claim is a lump-sum insurance benefit available through your superannuation or a standalone policy. You may qualify if an injury or illness permanently prevents you from working in your usual job — or any job suited to your education, training, and experience. TPD is designed to provide long-term financial support when your ability to earn income is significantly impacted.

TPD provides a one-off lump-sum payment if you are permanently unable to work.

Income Protection provides ongoing monthly payments, often up to 75% of your pre-disability earnings, if you are temporarily unable to work. Many people are eligible for both types of claims depending on their condition and policy coverage.

Eligibility depends on the wording of your insurance policy, but generally you must demonstrate that:

You cannot return to your usual job, and You cannot perform work for which you are suited by experience, education, or training.

A lawyer can review your policy and medical evidence to determine your likelihood of success.

Yes. Most Australians unknowingly hold TPD or Income Protection cover through their superannuation fund. If you are unable to work due to illness or injury, you may be entitled to claim directly through your fund, even if the condition developed outside the workplace.

Insurers require clear medical documentation showing your diagnosis, restrictions, treatment history, and long-term prognosis. This often includes GP reports, specialist assessments, imaging, and functional capacity evaluations. Obtaining strong medical evidence is crucial for a successful TPD or Income Protection claim.

Processing times vary between insurers, but:

TPD claims typically take 3–12 months, depending on complexity.

Income Protection claims can begin sooner but require ongoing medical updates.

Delays are common when forms are incomplete or evidence is insufficient, which is why legal guidance can significantly speed up the process.

If your claim is rejected, you still have options. Lime Lawyers can assist with:

  • Requesting an internal review,
  • Challenging the decision with the insurer,
  • Lodging a complaint with AFCA, or
  • Pursuing legal action if required.

Many denied claims are successfully overturned with proper evidence and representation.

We operate under a No Win, No Fee arrangement.

You pay no upfront costs.
We only charge legal fees if your claim succeeds.

This ensures you can access expert legal representation during a difficult time without worrying about financial pressure.

No matter your circumstances,
Lime Lawyers is here to help you understand your rights
and secure the compensation you deserve

Our Areas of Expertise

At Lime Lawyers, we act for people injured in motor vehicle accidents, workplace incidents, public places, or due to the negligence of others. Our experienced team understands how stressful an injury can be, so we explain your options clearly and guide you through every step of the claims process.
We’re here to secure the care and compensation you deserve.