QLEGAL Lawyers

Our Services

* TPD and Income Protection *

TPD and Income Protection

When injury or illness incapacitates you for the long term, you may have a valid claim against your superannuation fund for Total and Permanent Disability (TPD) and Income Protection benefits. However, navigating each fund’s unique policies and criteria can be complex. Trust QLegal for expert guidance, steadfast support, and effective advocacy in securing the benefits you deserve.

Policy Coverage

Medical Evidence

Claims Process

Legal Assistance

Man sitting on wooden park bench with robotic leg against green park. His laptop is resting on his lap and there is a coffee takeaway cup next to him.

Recent ABS data shows about 16% of QLD adults aged 18-64 report disabilities, highlighting TPD insurance’s importance.

What is TPD (Total and Permanent Disability) insurance?

Total and Permanent Disability (TPD) insurance provides essential financial support if you’re permanently disabled due to injury or illness, preventing you from working. This coverage offers a lump sum payment to help with medical expenses, ongoing care, and other costs associated with long-term disability, providing security and peace of mind for you and your loved ones.

The importance of legal support for TPD and Income Protection claims

Understanding superannuation funds, insurance policies, and legal obligations can be overwhelming. At QLegal, our expertise ensures you grasp your entitlements and rights fully. We provide tailored guidance to boost your claim’s success, easing stress during this challenging time.

blue outline of pages with lines on it

Benefits of legal support for TPD and Income Protection claims:

  • Expertise: Legal professionals understand TPD and Income Protection claims, ensuring claimants grasp their rights fully.

  • Maximising Success: Seeking legal support enhances claim success as lawyers navigate complex processes and advocate effectively for claimants.

  • Minimising Stress: Legal assistance eases paperwork, insurer negotiations, and legal proceedings, allowing claimants to focus on recovery.

Blue trust badge icon


Committed to fighting for your rights!

What does the TPD claim process involve?

Understanding the comprehensive process of filing a TPD claim.

Document Submission

Gather and submit medical records and supporting evidence required for your claim, alongside completing the necessary claim forms provided by your superannuation fund.

Assessment by Insurer

The insurer will carefully review and assess your claim, meticulously evaluating it against the terms outlined in your policy as well as the comprehensive medical evidence provided by you.

Evaluation of Claim

During this thorough assessment process, your claim will be carefully reviewed to determine its validity and eligibility for Total and Permanent Disability (TPD) benefits, ensuring that all relevant factors are considered.

Decision and Outcome

Following the comprehensive assessment, the insurer will carefully deliberate on your TPD claim, ultimately rendering a decision regarding its approval or denial. You will then be promptly notified of the outcome, ensuring transparency and clarity throughout the process.

Our approach to TPD and Income Protection claims operates on a "no win – no fee" basis.

At QLegal, accessibility is paramount in legal support. We handle TPD and Income Protection claims under a 'no win – no fee' arrangement. You only incur legal fees if we secure your benefits, ensuring fairness and removing financial barriers to rightful compensation.'
Team QLegal

What sets QLegal apart from other legal firms?

Our expert team specialises in personal injury and insurance claims, ensuring you receive the benefits you deserve. Contact us today.

Contact QLegal Now for Your TPD and Income Protection!



Take the first step towards justice with a complimentary consultation. We’ll listen, assess, and provide guidance to help you make informed decisions.




Receive clear, tailored advice on your rights and options from our experienced team, empowering you to move forward confidently.




Benefit from our comprehensive legal support as you navigate towards resolution. Our dedicated team is here to advocate for your rights and best interests.

Free Consultation

Book Appointment

Homepage Contact Form

Motor Vehicle Accident FAQs Guide:

Unlock your claim potential.

TPD insurance offers a lump sum payout for permanent disability, while Income Protection insurance provides regular payments (typically a percentage of your income) to replace lost earnings during temporary disability, assisting with daily expenses.

Total and Permanent Disability (TPD) criteria may differ among policies and insurers. Typically, it signifies the incapacity to engage in your regular occupation or any suitable alternative work due to injury or illness. Given the potentially strict criteria, it's vital to have a clear understanding of your policy terms.

Indeed, numerous super funds include TPD insurance in their membership benefits. If you meet the defined conditions in your policy and experience permanent disability, you're eligible to claim TPD benefits.

In case of claim denial, QLegal can provide assistance. With a proven track record of successfully appealing denied claims, we strive to secure the benefits you're entitled to. Our legal experts will evaluate your situation, identify any discrepancies, and work tirelessly to ensure your claim gets a fair reconsideration.

Yes, simultaneous claiming is possible if your insurance coverage encompasses both. TPD provides a lump sum payout, whereas Income Protection offers regular payments to substitute lost income during temporary disability.