Injured and unable to work? You might be eligible for a TPD claim
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Life has a way of throwing curveballs when we least expect them. One day you’re going about your usual routine, and the next, an injury or illness changes everything – including your ability to work.
If you’re facing Total Permanent Disability (TPD) in Canberra, you may be entitled to benefits that could provide crucial financial support during this difficult time. The expert team from Maliganis Edwards Johnson explain.
What is Total and Permanent Disability (TPD)?
Think of TPD as a safety net that’s likely been there all along, quietly tucked away in your superannuation fund. If you’ve suffered an injury or illness that permanently prevents you from working your normal job – or any other job you’re suited for based on your education, training, or experience – you may be eligible to lodge a TPD claim with your insurer or superfund.
The beauty of TPD coverage is that a lot of Australians already have it without realising. Some superannuation funds include TPD insurance automatically, which means you’ve may been covered all this time. If you have multiple super accounts across different funds (and let’s be honest – lots of us do) you may be eligible to submit separate claims with each fund.
Understanding the criteria for a TPD claim
To qualify for a TPD claim, you’ll generally need to meet two criteria:
Active coverage: You must have had TPD insurance coverage through your superannuation fund or another provider when you stopped working due to your injury or illness. This coverage often comes automatically with your super so there’s a chance you’re already covered.
Demonstrable impact: You need to meet the definition of TPD that applies to your cover. The definition is different for every policy, but often requires you to show that your condition prevents you from performing your regular job or any other work that matches your skills, education, and experience. This isn’t just about your current role – it’s about your broader capacity to work in roles you’re qualified for.
Here’s what many people don’t realise: your TPD claim doesn’t have to be based on a workplace injury. Any injury or illness can qualify, regardless of where or how it occurred. The key isn’t where your condition developed—it’s how it impacts your ability to work.
Taking the next step…
If you’re wondering whether you might have a valid TPD claim, don’t let uncertainty hold you back from exploring your options. A quick conversation with the experts at MEJ could provide the clarity you need—and potentially unlock financial support that could make a real difference to your situation.
Need legal advice about compensation? MEJ’s compassionate compensation team is here to help you understand your rights and options. Contact the MEJ team today
