What Is a TPD Claim Through Super?

TPD stands for Total and Permanent Disability. If your medical condition stops you from returning to your usual job—or any job that suits your skills and experience—you may be eligible to claim a lump sum benefit through your super fund.

Most Australians have this insurance built into their super account, often without realising it. If your condition is considered permanent and you can no longer work, you may be entitled to make a claim—even if the illness or injury wasn’t work-related.

You don’t need to be hospitalised or severely incapacitated. Many successful claims come from people managing:

• • • Mental health conditions (such as depression, anxiety or PTSD)
    • Physical injuries, including back or spinal damage
    • Chronic illness, cancer, or autoimmune conditions
    • Neurological or degenerative diseases

Permanent pain, fatigue or reduced mobility

Who We Help in Melbourne

From the inner city to the outer suburbs and regional Victoria, we support clients right across Greater Melbourne, including:

• • • Construction workers in the west who’ve suffered workplace injuries
    • Healthcare and aged care professionals in the north struggling with burnout or trauma
    • Corporate professionals in the CBD dealing with mental illness or chronic conditions
    • Hospitality workers in the southeast managing long-term pain or fatigue
    • Public transport and warehouse staff who’ve sustained physical injuries

No matter your job, background, or claim size—we treat every person with respect, and every claim with care.

Why Choose Aussie Injury Claims?

Melbourne residents come to us for one reason: they want real support without the runaround. We don’t make you jump through hoops. We get results—and we do it with empathy and fairness.

• • • No Win, No Fee: There are no upfront costs. You only pay if we succeed.
    • Fixed, Low Fees: Unlike many law firms, we don’t take a percentage of your payout.
    • All Claim Sizes Accepted: We help with $5,000 claims and $200,000 claims equally.
    • Dedicated Claims Advisors: You deal with a real person, not an online portal or call centre.
    • We Handle Everything: From documents to follow-up—we do it all so you don’t have to.

We make the claims process less overwhelming and more human.

Melbourne Super Funds and Insurers We Work With

We’ve helped clients across Victoria make successful TPD claims through all major superannuation funds and insurers, including:

• • • AustralianSuper (headquartered in Melbourne)
    • Hostplus (commonly used in hospitality and retail)
    • UniSuper (common among university staff)
    • REST, HESTA, and Aware Super
    • Sunsuper / Australian Retirement Trust
    • MLC, TAL, AIA, Zurich and more

Not sure which super funds you’ve had? We’ll help track them down—even if they’ve been merged or inactive for years.

Already Had a TPD Claim Denied?

If your super or TPD claim has been rejected, don’t panic. Many valid claims are denied at first—but with the right help, they can be overturned.

We help Melbourne clients:

• • • Understand why their claim was rejected
    • Fix missing evidence or unclear documentation
    • Re-lodge the claim properly and clearly
    • Escalate it through internal review or the Australian Financial Complaints Authority (AFCA)

Even if it’s been months since your rejection, it’s worth getting a second opinion. We offer that for free.

What Can the TPD Lump Sum Be Used For?

There are no restrictions on how you use your TPD payout. It’s your money—and it’s meant to help you get back on stable ground.

Clients in Melbourne have used their claims to:

• • • Cover everyday bills and living costs
    • Pay off mortgages or rent
    • Fund private medical treatment or rehabilitation
    • Clear credit card or loan debt
    • Support children or partners
    • Take time to focus on recovery

No matter your goals, that money can provide peace of mind when you need it most.

Why Our Melbourne Clients Trust Us

We’ve helped people across every corner of Victoria access their super benefits. Many come to us after struggling alone, feeling ignored by their fund, or being let down by lawyers who refused smaller claims.

They choose us because we:

• • • Take on claims others reject
    • Speak in plain language
    • Keep our fees affordable
    • Work quickly, honestly, and with care
    • Support clients with both physical and mental health conditions equally

You don’t need to be completely incapacitated. You don’t need a referral. And you don’t need to fight this battle alone.

Let’s Get Your Claim Started

If you’re in Melbourne and think you might be eligible for a TPD or superannuation claim, take the first step today.

✔ Free Claim Review
✔ No Win, No Fee
✔ Fixed Pricing
✔ All Claims Welcome
✔ Super Funds & Insurers Australia-Wide