What Is a Superannuation TPD Claim?

Most superannuation accounts in Australia come with built-in insurance, which may include cover for Total and Permanent Disability (TPD). This allows you to claim a lump sum payment if you can no longer work due to a permanent physical or psychological condition.

To qualify, you generally need to meet these conditions:

• • • You held active superannuation with TPD insurance when you became unwell or injured
    • Your condition is considered permanent, with medical evidence supporting it
    • You can’t return to work in your usual occupation—or any job suitable for your background
    • You are under the super fund’s retirement age

This claim doesn’t depend on how you got injured or ill—it could be from an accident, a chronic illness, or a psychological condition that’s developed over time.

Common Conditions We Help With

We assist Brisbane clients with a wide range of conditions, including:

• • • Mental health conditions: PTSD, anxiety, depression, bipolar disorder
    • Chronic illness: cancer, autoimmune disease, diabetes complications
    • Injury-related conditions: spinal injuries, fractures, nerve damage
    • Neurological disorders: Parkinson’s, MS, epilepsy
    • Degenerative diseases or permanent physical impairment
    • Long COVID or fatigue-related disability

If your condition has forced you out of the workforce and your recovery has plateaued, you may have a strong case for a TPD claim.

Supporting Brisbane and Greater Queensland

We support clients across Brisbane, from the CBD to the outer suburbs, including:

• • • Hospitality and retail workers in South Bank
    • Logistics and trades workers in Acacia Ridge and Wacol
    • Public sector staff in Spring Hill and Fortitude Valley
    • Educators and support workers in Caboolture and North Lakes
    • Construction workers across Logan and Ipswich
    • FIFO workers and ex-mining employees with long-term health conditions

Our team understands the unique needs of Queenslanders—especially those juggling tight finances, remote family responsibilities, or work injuries.

Why Choose Aussie Injury Claims?

We do things differently from traditional law firms or online insurance providers. We’re focused on service, simplicity, and support—with zero pressure and zero hidden costs.

Here’s what makes us the go-to TPD claims partner for Brisbane locals:

• • • No Win, No Fee: If we don’t win your case, you don’t pay a cent.
    • Fixed, Low Fees: No percentage-based commissions or vague pricing.
    • All Claim Sizes Accepted: Whether your claim is $7,000 or $150,000, we’ll help you fight for it.
    • Real Support From Real People: Speak to a named advisor—not a chatbot or a call centre.
    • We Handle It All: From paperwork to updates and escalations, we take care of every step.

Super Funds We Work With Across Queensland

We’ve helped Queenslanders claim through almost every major super fund, including:

• • • Sunsuper / Australian Retirement Trust (common across Brisbane)
    • QSuper (especially among public sector workers)
    • AustralianSuper
    • HESTA
    • Aware Super
    • UniSuper
    • Hostplus
    • REST
    • MLC, TAL, AIA, Zurich and more

Even if your super fund has merged or changed names, we can trace it and make sure no benefits are missed.

What If My Claim Was Already Rejected?

We hear this all the time. Don’t let one “no” stop you from trying again—many claims are denied the first time due to:

• • • • Incomplete or vague medical evidence
      • Misunderstood policy wording
      • Incorrect assumptions about your work history
      • Missing or outdated documentation

We specialise in reviewing rejected claims, identifying the gaps, and rebuilding a stronger case. If needed, we’ll also escalate the claim to external review bodies like AFCA (Australian Financial Complaints Authority).

Even if it’s been months since your claim was denied, it’s not too late.

What Can the TPD Payout Be Used For?

Once approved, your TPD claim is paid as a lump sum, and you can use it however you need.

Most Brisbane clients use it for:

• • • Catching up on unpaid rent or mortgage payments
    • Covering household bills and groceries
    • Paying for surgery, counselling, or rehab
    • Supporting children or dependants
    • Creating financial breathing room to focus on healing

There are no restrictions—it’s your money, and it’s meant to make life easier.

What If I Have More Than One Super Fund?

It’s common for people to have multiple funds—especially in industries with casual, contract, or rotating work. If you’ve had jobs with different employers, we’ll:

• • • Track down all your accounts
    • Review each for active TPD insurance at the time you stopped working
    • Help you claim from each fund if eligible

It could mean more than one payout—something many people miss entirely.

Ready to Start Your Super and TPD Claim?

If you’re in Brisbane or regional Queensland and struggling with illness, injury or mental health, we’re ready to help you get the support you deserve.

✔ Free Claim Review
✔ No Win, No Fee
✔ Transparent Fixed Fees
✔ No Legal Jargon
✔ Support From Start to Finish