Total and Permanent Disability Claims

We're here for you, to help and guide you through the steps to the best possible outcome.

At Kemp, We Care.

Fixed Rate Fees
Our rates are fixed for the entire period of your claim, we will never increase the rate we charge you for our services.
No Win No Fee
We offer all clients our No Win, No Fee agreement, meaning you will never pay our fees until you receive a cheque from us.
Only Personal Injury
Kemp Law is one of the few firms that exclusively deals in personal injury so we can give your claim the focus it needs.
Free Initial Appointment
Pre-clients are offered a FREE initial appointment, face to face, to discuss the finer details of your incident.

What is a TPD Claim?

A total and permanent disability claim entitles you to payment of a lump sum if you have suffered an injury or illness that prevents you from returning to work in the same capacity prior to your incident.

For example if you have only ever done manual work and can’t do that type of work now it won’t matter if the doctor says you are fit for an office job or less laborious role. Most people with an injury or illness will qualify for a TPD benefit.

A benefit payment, often through your superfund insurance, can fund current and future medical costs, clear any debts that may have accrued and provides you with a source of income to help restore your quality of life as far as possible.

You may not realise...
your superannuation membership allows you to access to a range of benefits when you are injured or hurt.

What are my entitlements?

Each injury is different, however you often need to show you have been unable to work for 3 to 6 months due to an illness, injury or that you are permanently unfit for your usual employment.

Compensation does NOT come out of your hard earned super. The compensation comes from a separate insurance policy that is attached to your superannuation fund - meaning you don't need to worry about your nest-egg.

If you've been injured you are entitled to:

  • A monthly income payment
  • A lump sum payment from one or more super funds
  • Payment of a terminal illness lump sum.

What is looked into for my TPD Claim?

When making an assessment for your claim, your insurance provider will often look at a range of factors including your level of disability, including whether you’ve lost a limb, loss of eyesight or any other physical or mental function.

They will also look at your ability to perform another role or different duties with the same employer. Your insurer and superfund will also look at whether you can no longer perform any type of employment, or if you’re unlikely to ever work again, things they look out for are:

  • Whether you have been continually absent from work for a certain period of time
  • Ability to perform daily tasks and activities
  • If you require on-going medical care or rehabilitation.

How do I make a claim?

Step one is contacting us on 1800 536 752 - your conversation with us is obligation free and comes with no pressure to make a claim.

We’ll listen to your side of the story in order to get a full understanding of the situation, your needs and how your life has been affected. We will happily answer any questions you have.

If you decide you would like to continue, we can guide you through our no win, no fee agreement. We will contact the other party and negotiate on your behalf, taking into account the full impact the event has had on your life, and do everything in our power to satisfy you with the outcome.

Topics in this section...

  • What is a TPD Claim?
  • What are my entitlements?
  • What is looked into for my claim?
  • How do I make a claim?

Not sure if you can claim?

Our firm helps you find out quickly and easily if you're eligible to claim, all while saving you costs thanks to our online process.

Or if you have any other questions, get in touch with our compassionate client focused care team.

Start your claim online nowCall us on 1800 536 7529Make an online enquiry

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