Superannuation & TPD Claims

If you’re an employee, superannuation cover is compulsory in Australia. Often, superannuation companies will combine superannuation and TPD (total permanent disability) in the one policy. You may be paying for TPD cover without realising it. Many people facing personal injury claims, particularly those where they are affected for life, are surprised to find they are covered through their superannuation company, offering benefits when needed.

While a death benefit from superannuation is easy to prove, the same cannot be said for a TPD claim; it all comes down to the wording and the terms and conditions on your superannuation and TPD policy. Your claim involves a scope of your disability, the period during which you are unable to earn an income, or the full amount of income, from an occupation for which you are educated, trained and experienced. These claims can be difficult to navigate, which means you need the assistance of a legal team with the experience in dealing with superannuation and TPD claims following injury.