Total & Permanent Disability (TPD) Claims

Get expert advice & help claiming a TPD payment via your Super fund. 100% Risk-Free.

Unable to work due to injury or medical condition? You may be entitled to make a TPD Insurance claim via your Super.

Compensation for TPD differs from other types of cases because the payout is based on a pre-determined amount set in the policy and does not involve negotiating a settlement. It is usually paid in the form of a lump sum to you, or a person you have nominated (i.e. a spouse or child) in the event of your death.

03Truly Risk-Free Promise

No risks or upfront costs with our ‘No Win. No Risk. No Catch’ promise.

03Free Initial Advice Today

Free initial advice over the phone with our Principal. Available 7 days a week.

03Queensland Wide Service

All Queensland regions serviced from our Brisbane City & Gold Coast offices.

03Check your rights. Get a free TPD claims check now.

Why use a TPD claims specialist?


Present the Best Argument

We can put forward the best argument for your entitlement as we understand the complexities TPD insurance policies.

Faster Claim Payouts

Get the claim accepted quicker (we typically receive decision in 7 to 9 months, claim directly typically takes up to 18 months)

Avoid the Runaround

Insurers will often do whatever they can to avoid paying and will give you the runaround. We take care of everything for you.

Avoid Upfront Costs

No upfront costs for specialist medical reports or legal fees & absolutely no circumstances where you could be left out of pocket.

Avoid all risk with our ‘no catch’ promise to you.


All our competitors offer ‘no win, no fee’, but did you know, there is a big catch?

If your case goes to court and you don’t win, you may have to pay the other sides legal fees and costs which can be huge. At Smith’s, you won’t pay a cent to us, and more importantly, to anyone else, unless we win your case. Watch the one minute explainer video to learn more.

Common TPD claim questions.


Am I eligible to claim?

When can check if you meet the required conditions. However, you will need to meet these basic criteria;

  1. Unable to work again due to illness or injury
  2. Had paid employment previously
  3. Have an active Super account with TPD insurance (most do)

How long will it take?

We can typically fast track claims within 6-9 months. This compares to an average time of 18 months for self-managed claims. TPD claims can be complex and TPD insurers may give you the run around if you manage a claim yourself.

How much will it cost?

We offer a ‘No Win. No Fee. No Catch’ promise, which means there are no upfront costs and you will never be left out of pocket. Fees are calculated on the amount of work done & will be explained before matter is opened.

How much money will I get?

The compensation amount will be based on the TPD benefit for your Super account, e.g. $100,000. TPD is an insurance benefit and is separate to your main Super balance. You can check your TPD benefit figure on your Super statement on by calling your fund company such as SunSuper. We can also help you get this figure.

TPD claims process.

Obtain Medical & Work Records

We need to obtain authorities to access your medical records and employment history. We can then obtain these on your behalf.

Independant Medical Report

We will arrange a medical report from an independent medical examiner who can provide an expert, in-depth report and assessment.

Build Case & Apply for Claim

We will present the best argument for entitlement as we understand the complexities of the policy and include all supporting evidence.

Nothing to Pay Unless We Win

Once a claim is approved by your Super insurance provider, we aim to secure and process payments as soon as possible.

No Risks or Upfront Costs

Get expert advice today.

Check your rights & entitlements. Request a free case review with our Principal Greg Smith today via the form below or call 1800 266 801.