Helping more

Total Permanent Disability (TPD) Claims

Helping You Navigate TPD Claims

for Injury and Illness

Total Permanent Disability (TPD) benefits are designed to support individuals who are unable to work due to a injury or illness. These benefits can be a vital lifeline for those in physically demanding industries such as healthcare, construction, and manufacturing, where serious injuries and chronic illnesses can lead to long-term work incapacity. At Fern Lawyers, we are here to help you access the TPD benefits you’re entitled to and secure the financial support you need for the future.

Understanding
TPD Claims

TPD benefits provide a lump sum payment if you are no longer able to return to work because of an injury or illness. The nature of the condition does not have to be work-related; it can be any illness or injury that leaves you unable to perform your own job or any role that you are trained or experienced for. Common TPD claims may include physical injuries, chronic conditions, or even mental health issues.

It’s important to understand that claiming TPD benefits is separate from workers compensation or motor vehicle accident claims. You may be eligible for TPD benefits even if you have already received compensation through for your workers compensation, motor accident or public liability claim. At Fern Lawyers, we help clients determine their eligibility and ensure that they claim all available benefits, no matter the cause of their injury or illness.

Case Study:

Bullying &

Total Permanent Disability Compensation

What happened?
In December 2023, our client approached us in a state of distress after experiencing bullying in the workplace. Unsure of his legal options, he sought our help during this challenging time. He was at risk of losing his home due to being unable to pay his mortgage. After carefully assessing his situation, we determined that he was eligible to file a Total and Permanent Disability (TPD) claim, which could provide him with much-needed financial support.
How we helped
We conducted a thorough review of our client’s policy and immediately began gathering the necessary evidence to build a strong case. Our team worked diligently to ensure every aspect of the claim was well-documented. Within three months, we submitted the claim on his behalf. Less than six months after filing, the claim was accepted, marking a significant milestone in his journey toward recovery.
Going forwards
Our client received $370,000 in compensation, an amount he hadn’t realised he was entitled to. This life-changing result allowed him to repay a $20,000 loan to his parents, resolve his mortgage issues, and, in his own words, gave him “a second chance at life.” We are now working with him on an additional Work Injury Damages claim, projected to yield another $500,000, demonstrating our ongoing commitment to supporting him through his legal challenges.

How TPD

Claims Work

Client

Stories

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Frequently asked Questions

Total & Permanent Disability

We’re here to help, if you have more questions or need assistance in understanding how any answers we’ve provided might apply to your unique situation, then please contact our team today.

Can I claim TPD benefits if I have already received compensation from workers’ compensation or other sources?

Yes, you can still claim TPD benefits even if you’ve already received compensation from workers’ compensation or other sources. At Fern Lawyers, we understand that navigating these claims can be confusing, so it’s important to check the details of your insurance policy. Some insurers may have specific rules about claiming multiple types of compensation, and we’re here to help you understand your options. If you have questions or need support, don’t hesitate to reach out to us.

Who is eligible for TPD benefits?

To be eligible for TPD benefits, you usually need to prove that you have a permanent disability that prevents you from working in any occupation based on your previous education, training or work experience. This might include physical injuries, chronic conditions, or mental health challenges. At Fern Lawyers, we understand that each insurance policy has different eligibility requirements, so it’s crucial to check your specific policy details. If you’re uncertain about your eligibility or have questions, don’t hesitate to contact us. We’re here to support you in understanding your rights and exploring your options.

What if my TPD claim is denied?

If your TPD claim is denied, you may have the right to appeal the decision. You can request a review of your claim or seek advice from a legal professional to understand your options and potentially take further action.

Why Choose Fern Lawyers?

At Fern Lawyers, we are accredited specialists helping people like you who are no longer able to work due to injury or illness. Our expertise in TPD claims ensures that you can navigate the claims process with confidence. We take the time to understand your unique situation and work diligently to secure the benefits you are entitled to. Whether you’re making a claim for the first time or challenging a rejected claim, we are here to help every step of the way.