Total & Permanent Disability Claims

If you’re no longer able to work due to an injury or illness, you may be entitled to a Total and Permanent Disability (TPD) insurance benefit through your superannuation.

At Life Matters Claims, we help to remove the stress of managing your TPD claim. We are claim advocates that manage your claim from start to finish and have a 98% success rate for our clients claims to date.

What is TPD insurance?

Total and Permanent Disability insurance provides cover, usually in the form of a lump sum payment, if you are diagnosed with a illness or injury and can no longer work in your usual occupation or any occupation for which you are trained or educated in.

These policies generally include major illnesses or injuries that could have a significant impact on your life.

How does it work?

To qualify for a TPD claim, you must provide evidence that you are permanently unfit for your usual employment or any other employment that you are qualified for.

If you are successful in your claim, a Total and Permanent Disability insurance benefit is paid as a lump sum. How much you can claim will depend on the assessment of your personal circumstances.

Am I eligible?

Before you are qualified to make a TPD claim, your insurer will consider a number of factors - particularly, whether this insurance cover is provided under your superannuation. Other factors include:

  • Whether or not you are in the care of a healthcare professional who supports your claim.
  • The type of treatment that has been prescribed by your healthcare professional and the regularity of your treatment.
  • Whether or not the mental health condition you have been diagnosed with is permanent.
  • The degree to which you may be able to perform your duties at your current workplace with some well-considered adjustments to your routine, or in a new role at another workplace.

How can Life matters Claims assist you?

With our extensive claims experience, we will work with you to ensure the process is as streamlined as possible. This includes initiating your claim with the insurer and working with you every step of the way until the claim has been finalised. Unlike solicitors, we won’t charge an inflated fee to manage your claim. We understand that it’s not reasonable to charge for every visit, letter or phone call. Instead, we promise a set fee that is only payable once the claim has been accepted. Our claims advocacy services are available Australia wide.

We have a 98% success rate for all our clients' claims to date.

If you’re looking for advice on a claim, speak to one of our friendly staff by phoning

We’re ready to help you through your insurance claim

You can talk to us on 1300 784 108

Or send an email to