Tony Love Lawyers
Super & TPD Claims in the Northern Rivers
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Northern Rivers TPD Claims
Accessing your superannuation through a Total and Permanent Disability (TPD) claim is a step many people never expect to take. But when illness or injury stops you from being able to work again, it can offer crucial financial support.
At Tony Love Lawyers, based in the Northern Rivers, the focus is on making this process easier to understand and manage. While each super fund and insurance policy has its own rules, our legal team works to identify what you're entitled to and what evidence may be needed.
Unlike some legal processes, TPD claims often involve interpreting policy definitions, medical reports, and employment history—so having professional legal guidance can help with clarity. Tony Love Lawyers offers this with a local presence and a practical approach that respects your circumstances and time.
To learn more about your options or to book an appointment, call
(02) 6623 2224 and speak with a member of the team.
Understanding Super & TPD Claims
When it comes to TPD claims, there’s no one-size-fits-all answer. We take the time to work through each individual policy and claim, because no two are exactly the same. Some superannuation policies include built-in insurance, while others offer optional coverage—each with different definitions of what qualifies as “total and permanent” disability. This might mean being unable to do the job you were trained for, or being unable to work in any role at all. Our team helps you make sense of those definitions and can guide you through the steps that follow, including collecting the right medical and employment records.
Making a TPD claim can feel overwhelming at first, especially if you’re already dealing with serious health or financial stress. Our goal is to help you feel informed and supported at every stage. If you’re unsure where to start, just give our team a call on
(02) 6623 2224 and we'll talk you through the next steps.
What is a Total and Permanent Disability (TPD) claim?
A Total and Permanent Disability (TPD) claim is an insurance benefit attached to many superannuation policies. It’s designed to provide financial support if you’re permanently unable to work due to illness or injury. “Permanent” usually means there’s little or no chance you’ll return to work in the same field—or sometimes, in any job at all—depending on your policy. TPD benefits are not automatic; you need to meet specific medical and occupational definitions outlined in your super fund’s terms and provide supporting documentation.
Can I make a TPD claim through more than one super fund?
Yes, if you’ve had multiple superannuation accounts with TPD cover, you may be able to lodge separate claims through each one. Each fund operates independently and will assess your eligibility based on its own policy definitions. It’s important to check whether your policies were active when you stopped working and if you met the contribution or employment requirements at the time. Some policies may have exclusions or time limits, so reviewing each fund’s terms carefully is essential before proceeding.
What evidence is needed for a successful TPD claim?
To support a TPD claim, you’ll generally need medical evidence from your treating doctors, any relevant specialists, and sometimes an independent medical examiner. Employment records, educational history, and details about your functional limitations are also commonly required. Superannuation funds and insurers may request additional assessments or documentation depending on your situation. Gathering accurate and complete information can help to ensure your claim is assessed based on all relevant facts.
