What Is a TPD Claim Through Super?

TPD stands for Total and Permanent Disability. It’s a type of insurance included in most super accounts. If you have this cover, and your health condition stops you from returning to your job—or any job you’re trained or qualified for—you may be able to claim a tax-free lump sum payment.

You could be eligible if:

• • • You were working when you became ill or injured
    • You had TPD insurance attached to your super at the time
    • Your doctor agrees your condition is unlikely to improve
    • You can’t work in your usual occupation or something similar

It doesn’t matter whether the condition is physical, psychological, or developed over time. If it keeps you out of the workforce permanently, a TPD claim could help provide financial relief.

Who We Help in Perth and Western Australia

We support people across the greater Perth region and regional WA—from FIFO workers in the Pilbara to nurses in Mandurah, teachers in Subiaco, and hospitality staff in Margaret River.

Some of our clients include:

• • • Mining and resources workers unable to return to site
    • Office-based professionals managing chronic illness or burnout
    • Healthcare and community workers facing permanent stress injuries
    • Construction and tradespeople injured on or off the job
    • WA public servants and educators with long-term medical conditions

No matter your industry, if your condition has ended your working life, we’re ready to help you claim what you’re owed.

Common Conditions We Assist With

We work with all types of injuries and illnesses, including:

• • • Depression, anxiety, PTSD and trauma-related mental health
    • Cancer, heart disease, stroke and terminal illness
    • Musculoskeletal disorders like spinal damage or joint deterioration
    • Autoimmune conditions like lupus or rheumatoid arthritis
    • Neurological illnesses such as Parkinson’s or MS
    • Debilitating chronic fatigue, pain syndromes or mobility loss

If your condition has stopped you from returning to work, get in touch for a free claim review—we’ll let you know where you stand.

Why Perth Clients Choose Aussie Injury Claims

We’re not a law firm—and that’s what makes us more approachable, affordable, and focused on practical support. We offer a straightforward, personalised claims service that suits people from all walks of life.

Here’s what makes our service unique:

• • • No Win, No Fee: There’s nothing to pay unless your claim succeeds.
    • Fixed Low Fees: We don’t take a percentage of your payout. Our fees are fair and clear.
    • All Claim Sizes Accepted: Large or small, every claim matters to us.
    • Supportive, Real People: You’ll speak directly with your own dedicated advisor—no call centres or automated replies.
    • We Handle It All: You don’t need to speak to your super fund—we do that for you.

We believe everyone should have access to the insurance they’ve been paying for—especially when life takes an unexpected turn.

Perth Super Funds We Work With

We’ve helped clients claim through almost every major super fund operating in WA, including:

• • • Australian Retirement Trust (inc. former Sunsuper clients)
    • HESTA
    • Aware Super
    • REST
    • Hostplus
    • AustralianSuper
    • CBUS (common among tradespeople and construction workers)
    • MLC, TAL, AIA, Zurich and other major insurers

If you’ve had more than one job, we’ll help check all of your super accounts and confirm which policies were active when your health began to decline.

Has Your TPD Claim Already Been Rejected?

Many of our Perth clients come to us after trying to make a claim themselves—and being rejected. But a “no” isn’t always final.

We help people in WA:

• • • Understand what went wrong with their initial claim
    • Identify gaps or issues in the evidence provided
    • Rebuild and resubmit a stronger application
    • Escalate to dispute resolution bodies like AFCA if needed

Even if it’s been several months since your claim was denied, there may still be time to act. We’ll review it for free and advise your best next step.

What Can You Use the Payout For?

There are no restrictions on how you use your TPD benefit once it’s paid out. You’ve worked hard for your super—it should work for you when you need it most.

Most of our Perth clients use their payout to:

• • • Pay off the mortgage or rent
    • Cover household expenses and medical bills
    • Access private treatment or specialist rehab
    • Support children or dependants
    • Take time to rest and focus on recovery

Whatever your goals, we’ll help you access the funds so you can move forward.

Start Your Claim With Confidence

If you’re based in Perth or anywhere in WA and unable to return to work due to injury or illness, we’re here to help.

✔ Free Eligibility Check
✔ No Win, No Fee
✔ All Super Funds Supported
✔ Fast, Friendly Advisors
✔ Claims of Any Size Accepted

You’ve paid for your super. Now let us help you claim it when it matters most.