What Is a Superannuation TPD Claim?

Most Australians have insurance cover inside their super fund—often without realising it. One of the most valuable types of cover is TPD insurance, which allows you to claim a lump sum payment if you become permanently unable to work due to a medical condition.

To be eligible, you typically need to meet these conditions:

• • • You were insured through your super fund at the time you became unwell or injured
    • Your condition prevents you from working in your usual job—or any job suited to your experience and training
    • Your doctors agree your condition is unlikely to improve
    • Your super account remained active during the relevant period

The money is usually paid tax-free and can be accessed once your claim is approved.

Common Conditions That May Be Eligible

You don’t have to be injured at work to make a claim. TPD covers a wide range of physical and mental health conditions, including:

• • • Depression, PTSD, anxiety, and other mental illnesses
    • Cancer and major chronic illnesses
    • Degenerative or neurological disorders
    • Stroke, heart disease, and autoimmune conditions
    • Serious back, spinal or mobility injuries
    • Permanent disability following an accident or surgery

We help clients across Canberra with all types of claims—large or small, complex or straightforward.

Who We Help in Canberra

We work with individuals across all areas of the ACT, including:

• • • Public servants unable to return to work due to burnout, injury or illness
    • Tradespeople and construction workers with long-term physical injuries
    • Healthcare professionals managing mental health conditions
    • Students or early-career workers who are unexpectedly struck by serious illness
    • Teachers, admin staff and shift workers who can’t return to their roles

If your condition makes it impossible to return to regular employment, we’ll help you explore your TPD options and make a claim with confidence.

Why Choose Aussie Injury Claims?

Canberra residents come to us because they want clear answers, personal support, and fast action. Unlike lawyers, we don’t overcomplicate things or chase only big payouts. We’re here to help real people get real results.

• • • No Win, No Fee: You only pay if we win your claim.
    • Fixed, Low Fees: We charge a fair, fixed price—not a percentage of your payout.
    • All Claim Values Accepted: From $5,000 to $500,000—we believe every claim matters.
    • Dedicated Advisors: You’ll have a named advisor managing your case from start to finish.
    • We Handle It All: No more chasing paperwork or dealing with confusing letters from your fund—we do that for you.

Whether you’ve already tried to make a claim or are just starting out, we’ll make the process easier.

Canberra Super Funds We Work With

Our team is experienced in dealing with the most commonly held super funds in Canberra and throughout the ACT, including:

• • • AustralianSuper
    • Aware Super (commonly used by ACT Government employees)
    • Hostplus
    • UniSuper
    • REST
    • HESTA
    • Sunsuper / Australian Retirement Trust
    • MLC
    • AIA, TAL, Zurich and other major insurers

We’ll check all of your super accounts—active and inactive—to make sure no entitlements are missed.

Already Had Your Claim Rejected?

A rejected claim doesn’t mean the end of the road. Many claims are denied initially due to incomplete paperwork, vague medical reports, or misunderstanding of the fund’s definitions.

We help Canberra clients:

• • • Review their denial and identify what went wrong
    • Gather stronger evidence and re-lodge the claim
    • Challenge the fund’s decision through internal review
    • Escalate the matter to the Australian Financial Complaints Authority (AFCA) if needed

Even if your claim was denied months ago, we may be able to help.

What Can You Use the Payout For?

A TPD benefit is there to support your future, however that looks. It’s your money—and you can use it as you choose. Common uses include:

• • • Paying rent or the mortgage
    • Covering living costs or groceries
    • Medical treatment or psychological support
    • Paying off credit card or personal debt
    • Supporting children or planning for the future
    • Taking time to rest and focus on your wellbeing

Our job is to help you access those funds—so you can breathe again.

Take the First Step Today

If you’re in Canberra and dealing with an illness or injury that prevents you from working, we’re ready to help. Even if you’re unsure about your eligibility or overwhelmed by the process, a free chat with one of our claims advisors can point you in the right direction.

✔ No Win, No Fee
✔ Fixed, Transparent Pricing
✔ Fast, Reliable Support
✔ All Claims Welcome—Big or Small
✔ Trusted by Locals Across the ACT