TPD & Super Claims · Queensland
TPD & Superannuation Claims
If an injury or illness stops you returning to work, you may be entitled to a lump-sum Total & Permanent Disability benefit through your super — regardless of fault.
- No Win, No Fee on eligible claims
- Free initial consultation with a lawyer
- Claims paid regardless of fault
Check if you can claim compensation
We’ve helped Queenslanders receive compensation and lump-sum payouts. Tell us what happened — it only takes a couple of minutes.
How we help
TPD & super claims we handle
Most Australians hold TPD cover inside their super without realising it — we help you find and claim every benefit.
TPD Insurance Claims
If you’re permanently unable to work in your usual occupation — or any occupation you’re reasonably qualified for — you may have a TPD claim.
Superannuation Benefit Claims
Where disability prevents you from working, you may be entitled to access your superannuation benefits early to support you and your family.
Lump-Sum Payments
TPD benefits are usually paid as a lump sum — helping cover medical expenses, rehabilitation, ongoing care and living costs.
Declined Claim Appeals
Claim knocked back by the fund or insurer? You have the right to challenge the decision — we build the evidence and run the appeal.
Why ROC Legal
Experience. Approachable. Dedicated.
Founded in 2017 by Principal Lawyer Robert O’Neil, ROC Legal pairs serious legal expertise with a genuinely human approach — you deal with the principal, not a junior.
You speak with the Principal
Direct access to a senior lawyer on every matter — not a rotating junior associate.
Insurer-side experience, now in your corner
We understand how insurers think and assess claims — and we use it to your advantage.
No Win, No Fee
On eligible injury claims, so getting clear advice costs you nothing upfront.
TPD & superannuation claims in Queensland
If you’re unable to work because of a total and permanent disability (TPD), you may be eligible to claim through your superannuation fund. TPD refers to a condition that leaves you permanently unable to work in your usual occupation — or any other occupation you’re reasonably qualified for by education, training or experience.
Most super funds include TPD insurance cover for their members. When disability stops you working, a TPD claim can provide a lump-sum benefit — and you may also be entitled to access your superannuation early. The goal is financial security when you can no longer earn an income: covering medical expenses, rehabilitation, ongoing care and living costs.
Importantly, TPD claims are not fault-based — it doesn’t matter how your injury or illness happened. What matters is the impact on your capacity to work.
Compensation lawyers near you: Brisbane · Gold Coast · Bundaberg · Rockhampton · Hervey Bay
The claim process, step by step
Each super fund has its own requirements, but a TPD claim generally involves:
- Seek legal advice — we identify your policies, explain your entitlements and your fund’s specific requirements
- Gather evidence — medical reports, specialist assessments and employment records proving your disability
- Complete the claim forms — accurately and in detail, with all supporting documents attached
- Submit the claim — to your super fund, keeping copies of everything
- Review and assessment — the fund reviews the evidence and may request more information
- Decision — approved claims are paid as a lump sum or income stream, depending on your policy
If your claim is denied, you have the right to appeal — providing further evidence and requesting a review of the decision. This is where experienced legal help matters most.
What you can claim
TPD and superannuation entitlements can provide:
- A lump-sum TPD benefit — under the insurance cover inside your super fund
- Early access to super — where permanent disability prevents you from working
- Support for living costs — medical expenses, daily living, care and rehabilitation
You may hold TPD cover in more than one super fund — and you may be able to claim under each policy. We’ll check every avenue.
Time limits apply — act early
TPD claims must generally be made within two to three years from when you became aware your disability prevents you working — and superannuation claims typically within six years. Fund-specific terms vary, so get advice as soon as possible.
No Win, No Fee TPD lawyers
ROC Legal offers No Win, No Fee arrangements for eligible TPD and super claims — you only pay legal fees if your claim succeeds.
A simple process
Three steps to peace of mind
Get a free claim check
Complete a few details and we’ll tell you whether you have a TPD or super claim. It only takes a couple of minutes.
We build your claim
We identify your policies, gather the medical evidence and handle the fund’s requirements end to end.
You get your benefit
We’re early-resolution focused — we pursue the lump-sum benefit you deserve as fast as we possibly can.
Questions
TPD & super claim FAQs
What is a TPD claim?
A claim under the Total & Permanent Disability insurance cover held inside your superannuation fund — available when injury or illness leaves you permanently unable to work in your usual occupation, or any occupation you’re reasonably suited to.
Does it matter how my injury happened?
No — TPD claims are not fault-based. Whether your condition arose at work, on the road, in a public place or from illness, what matters is its impact on your capacity to work.
What are the time limits?
TPD claims are generally subject to a two-to-three-year limit from when you became aware of your disability and its impact on your work — and super claims typically six years. Individual fund terms vary, so check early.
What if my claim is declined?
You can appeal — providing additional evidence and requesting a review of the decision. Legal advice significantly improves your prospects on appeal, so get in touch before responding to the fund.
Can’t return to work? Find out what you’re entitled to.
Book your free, confidential consultation today. No pressure, no obligation — just clear advice on your options.