Comprehensive Guide To TPD And Terminal Illness Claims On Your Super: Essential Information To Understand

Comprehensive Guide To TPD And Terminal Illness Claims On Your Super: Essential Information To Understand

It is commonplace for employees to possess a superannuation fund that frequently encompasses insurance policies automatically linked to it. Total and Permanent Disability (TPD) insurance protects policyholders in the event of enduring injuries or illnesses that hinder their ability to resume work. Within this article, we offer a comprehensive overview of the TPD and terminal illness claim procedure, encompassing an understanding of policy definitions, insured amounts, and the timing of disbursements. 

Understanding TPD Insurance in the Context of Your Superannuation

Within your superannuation account, you may find various forms of coverage, such as TPD insurance, death benefits, and income protection insurance. TPD insurance is a crucial financial resource for individuals who experience permanent injuries or illnesses that impede their ability to resume work. Depending on the specific policy, payments can be disbursed as lump sums, ongoing payments, or annual instalments.

TPD Benefits Extend Beyond Injuries Occurring at Work

Despite what is commonly believed, TPD benefits extend beyond injuries that occur at work. Workers’ compensation is distinct from TPD benefits, as it aims to compensate those who experience significant injuries or illnesses that hinder their ability to work. Various medical conditions, such as respiratory diseases, autoimmune diseases, and the lingering effects of a stroke, can significantly impact a person’s capacity to work. It is important to emphasise that the specific medical conditions covered by TPD policies may differ among insurance providers. Therefore, it is crucial to thoroughly review the terms and conditions of the policy to grasp the extent of coverage.

Gaining Insight into Your TPD Coverage

A thorough comprehension of the insurance policies associated with your superannuation account is crucial to ensure sufficient coverage in unforeseen situations. This entails understanding the restrictions of each policy, the maximum payout limit, and the eligibility criteria necessary for your coverage to be valid. Regularly reviewing your policies is vital to confirm that they align with your requirements and avoid paying for unnecessary coverage. By staying well-informed and conducting regular policy reviews, you can ensure that your insurance coverage remains adequate and current.


Insurers employ diverse interpretations of “total and permanent disablement,” which can be categorised into “any occupation” or “own occupation” definitions. TPD policies within superannuation accounts generally adhere to the “any” occupation definition, whereas policies outside of superannuation may allow claims based on the inability to resume one’s “own” occupation.


It is crucial to assess the coverage amount provided by your TPD insurance policy to guarantee it is sufficient to meet your financial requirements if you rely on these funds. In some instances, individuals may possess multiple superannuation funds and can make claims on multiple TPD policies, offering increased access to funds.

Understanding the Conclusion of Your Benefits

The duration of TPD policies can vary based on the policy in question. Generally, these policies cease when an individual reaches a designated age, usually between 55 and 60 years. However, specific policies may have an earlier termination date. It is crucial to thoroughly examine the terms and conditions of your TPD policy to ascertain the cessation of coverage and the subsequent implications upon termination.

What is the Timeframe for Receiving Payment on a TPD Claims?

The duration for the payout of a TPD claim is contingent upon the nature of the claim and the prognosis involved. Resolving TPD claims can span multiple months, mainly if the individual necessitates ongoing treatment or awaits pending surgery. Additional factors, including the claim’s complexity and the internal procedures of the insurance company, can also impact the timeline for receiving payment on a TPD claim.


To initiate a TPD claim, individuals must satisfy the criteria outlined in the policy that defines total and permanent disablement. This procedure often entails collecting and submitting medical evidence and communicating with the insurer. Seeking assistance from a lawyer well-versed in TPD claims can offer valuable guidance and assistance at every process stage.


At Ramsden Lawyers, we recognise the significance of regularly reviewing your superannuation insurance policies to guarantee sufficient protection in unforeseen circumstances. Consequently, we provide expert support in filing TPD or terminal illness claims to secure your entitlements.

Our team of committed TPD lawyers is dedicated to assisting you through the intricate process of submitting a claim, minimising the risk of denial due to incomplete or inaccurate information.

Compared to brokers or accountants who may underestimate the complexities involved, we acknowledge the technicalities and offer personalised assistance to ensure you access all the benefits you are entitled to.

At Ramsden Lawyers, we understand the challenges and life-altering changes associated with applying for TPD or terminal illness benefits. We aim to expedite the process, enabling you to receive your full entitlements promptly and allowing you to concentrate on your well-being and loved ones without financial strain.

Please contact us if you require support with a superannuation, TPD, or terminal illness claim. You can conveniently schedule an appointment online through our booking app.

Our Gold Coast, Brisbane, and Sydney offices are conveniently located and open for appointments with our experienced lawyers.