Superannuation & TPD Claims in Adelaide and South Australia
Unable to work due to injury or illness? You may be entitled to a TPD payout.
If a serious injury or illness has forced you to stop working, you could be eligible for a Total and Permanent Disability (TPD) claim through your superannuation fund.
TPD and superannuation insurance claims can provide a significant lump sum payment — money that can help secure your financial future and support your recovery.
At TGB Lawyers, our Adelaide-based TPD lawyers have helped thousands of South Australians successfully claim the benefits they’re entitled to. We understand the stress of being unable to work, and we handle your claim with the experience, care and persistence needed to get results.
Book your free initial consultation today – call (08) 8212 1077 or register online by completing this short enquiry form.
What is a TPD Claim?
A Total and Permanent Disability (TPD) claim is made when an injury or illness permanently prevents you from working in your usual occupation, or in any other role suited to your education, training or experience.
For example, a surgeon who develops carpal tunnel syndrome or a construction worker with a severe back injury may be eligible for a TPD payout if they can no longer perform their normal duties.
Most South Australians have TPD insurance automatically included in their superannuation fund, but many don’t realise it’s there. In addition to TPD cover, some super funds also include income protection insurance, which can provide ongoing payments if you’re temporarily unable to work.
When Can You Make a TPD Claim?
The specific criteria for claiming vary between super funds, but typically you may be eligible if:
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You’ve stopped working due to a permanent injury or illness.
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Your medical practitioners confirm that you’re unlikely to ever return to work.
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You were a member of a superannuation fund that included TPD cover when you became unfit for work.
Each policy can also include waiting periods or minimum employment requirements, which can make eligibility tricky to determine — that’s why getting legal advice early is so important.
Why TPD Claims Aren’t Always Simple
Many people assume that claiming TPD through super is straightforward — but that’s rarely the case.
The process often involves:
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Detailed and complex claim forms.
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Multiple medical reports and specialist evidence.
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Requests for employer statements, financial records and ATO data.
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Strict time limits and differing definitions of “total and permanent disability.”
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Dealing with insurers experienced in defending claims.
Without legal support, these hurdles can cause costly delays or result in a rejected claim. Our TPD lawyers manage the entire process for you — ensuring every detail is covered and your claim has the strongest possible chance of success.
How TGB Lawyers Can Help
Our Adelaide-based superannuation and TPD claim lawyers will:
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Review your superannuation policies and identify all potential TPD and income protection entitlements.
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Prepare and lodge your claim, handling all documentation and communication with your insurer.
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Gather and organise medical and supporting evidence, ensuring your case meets policy definitions.
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Challenge rejected claims, including reviews through the Australian Financial Complaints Authority (AFCA) if necessary.
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Work tirelessly to maximise your lump sum payout and secure your future.
We work on a “no win, no fee” basis for most TPD claims — meaning you don’t pay legal fees unless your claim is successful.
Case Study: Kate’s Story
Kate was a disability carer from Adelaide who suffered a serious shoulder injury at work. Over time, her pain worsened, and she developed depression and anxiety that made it impossible to continue working in care or community services.
For years, Kate hesitated to make a claim, unsure whether she was eligible. When she came to TGB, we reviewed her super policies, gathered the required medical and employment evidence, and lodged her TPD claim.
Her claim was approved — resulting in a payout of more than $60,000, including her insurance benefit and superannuation balance.
Kate’s story is a reminder that it’s never too late to explore your TPD entitlements. With the right guidance, a successful outcome is possible — even if you’ve been out of work for some time.
What You Could Be Entitled To
Depending on your cover, you may be eligible for:
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A lump sum TPD payout, often ranging from tens of thousands to several hundred thousand dollars
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Income protection payments (typically 70–80% of your usual income for a defined period)
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Access to multiple benefits if you hold more than one superannuation fund
Our team will review all your policies and identify every available benefit.
Why Choose TGB Lawyers in South Australia?
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One of the largest personal injury law teams in SA
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Over 55 years of experience representing injured South Australians
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Offices across the state – Adelaide, Salisbury, Gawler, Mount Barker, Murray Bridge, Semaphore, Reynella, Port Lincoln, Whyalla
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Specialists in superannuation, TPD, Comcare, and workers compensation claims
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Local lawyers who understand South Australian clients and insurers
We’re South Australians helping South Australians — and we’re here to help you get back on your feet.
Take the First Step Today
If illness or injury has left you unable to work, you don’t have to face the process alone.
Let our Adelaide superannuation and TPD lawyers guide you through your claim and fight for the benefits you deserve.
Call (08) 8212 1077 or get in contact with us online.
We’ll explain your options clearly and handle your claim from start to finish.