Free TPD Eligibility Assessment

Your Super May Owe You Money. Find Out Now.

Over $1 billion in TPD benefits go unclaimed every year in Australia — because most people don't even know they have cover. Our free assessment takes minutes and could change everything.

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5-Minute Assessment
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TPD Assist
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We Understand

Sound Familiar?

If any of these feel like you, you're far from alone — and you may have a claim waiting to be made.

"I didn't even know I had TPD cover"

50% of Australians are unaware their superannuation includes TPD insurance. It's likely been there for years — quietly waiting.

"The paperwork is overwhelming"

When you're dealing with serious injury or illness, navigating complex claim forms is the last thing you should have to do alone.

"My claim was rejected"

Over 10% of initial TPD claims are rejected — but many are successfully overturned. A rejection is not the end of the road.

Let Us Help You Find Out →
The Numbers

Why This Matters

The scale of unclaimed TPD benefits in Australia is staggering. These are real numbers — and real money that could be yours.

$0B+
In TPD benefits goes unclaimed in Australia every single year
9M+
Australians hold TPD insurance inside their superannuation fund
83.8%
Industry claim acceptance rate when claims are properly prepared and lodged
$200K
Average TPD payout in Australia — some policies pay significantly more
50%
Of Australians with TPD cover have no idea it exists in their super
5 Min
Is all it takes to complete a free eligibility assessment with our assistant

This is Money You Have Already Paid For

TPD insurance premiums are deducted from your super balance automatically — often without you noticing. If you are unable to work due to injury or illness, you may be entitled to a significant lump sum payment that is already yours. Many Australians are simply leaving it on the table because they do not know it is there.

Check If You Qualify — Free
Simple Process

How TPD Assist Works

We have simplified a complex process into four clear steps. You don't have to navigate this alone.

Free Chat Assessment

Answer a few simple questions with our AI assistant to understand your situation — no forms, no pressure.

Eligibility Review

Based on your answers, we identify whether you have a viable TPD claim and which pathway suits your situation.

Specialist Call

A TPD specialist contacts you within 24 hours to discuss your case in detail and explain your options clearly.

Claim Guidance

We guide you through documentation, lodgement, and the assessment process — every step of the way.

Start Your Free Assessment Now →
Do You Qualify?

Common Qualifying Criteria

Most people who qualify share some or all of these circumstances. Not sure? That's exactly what our assistant is here to find out.

  • Unable to work due to injury or illness — even if you're not sure for how long
  • Have superannuation — even from a previous employer you may have forgotten about
  • Diagnosed by a doctor with a permanent or ongoing medical condition
  • Under 65 years old — TPD cover in super runs up to age 65
  • Been off work 3+ months — or approaching this milestone with a permanent condition
  • Multiple super accounts? Each may hold separate TPD cover — you could claim more than once

Common Qualifying Conditions

  • Cancer or terminal illness
  • Depression, PTSD, anxiety disorders
  • Back, spine or musculoskeletal injuries
  • Heart disease or cardiovascular conditions
  • Neurological conditions (MS, Parkinson's)
  • Chronic pain or autoimmune disorders
Real Stories

Australians We Have Helped

These are the kinds of outcomes that are possible when you know your rights and get the right support.

★★★★★

"I had no idea I had TPD insurance in my super. After my back injury left me unable to work, TPD Assist found the cover I didn't know about and guided me through the entire claim. The result changed our family's life."

M
Michael T.
Back injury — Victoria
★★★★★

"My first claim was rejected and I thought that was it. TPD Assist reviewed everything, found what was missing, and helped me appeal. It was overturned. I wish I had called them first."

S
Sandra K.
Mental health claim — Queensland
★★★★★

"The team was so patient and understanding. I was dealing with cancer treatment and barely had energy to manage anything. They handled everything and kept me informed. Truly couldn't have done it without them."

R
Robert A.
Cancer claim — New South Wales
Common Questions

Frequently Asked Questions

Total and Permanent Disability insurance pays a lump sum if you become permanently unable to work due to injury or illness. In Australia, most working people have it automatically included inside their superannuation fund — often without realising. It is not government support; it is insurance you have effectively paid for through your super contributions.
Check your most recent superannuation statement — it should list any insurance cover included. You can also log into your super fund's online portal or call them directly. If you have ever worked in Australia, there is a good chance TPD cover was included as a default. Our assistant can also help you identify what to look for.
The amount varies depending on your specific policy and super fund. The average TPD payout in Australia is between $150,000 and $250,000, though some policies pay significantly more. If you have had multiple employers over your career, you may have multiple super accounts — each with its own TPD cover — meaning you could claim more than once for a single disability.
A rejection is not the end. More than 10% of initial TPD claims are declined, but many of these are successfully overturned through internal dispute resolution or through the Australian Financial Complaints Authority (AFCA). Often, rejections come down to insufficient medical evidence or procedural issues — both of which can be addressed. Our team has helped people successfully appeal rejected claims.
Still have questions? Chat with our assistant now →
Most TPD policies require you to have been continuously unable to work for 3 to 6 months before a claim can be formally lodged. However, you should notify your super fund as soon as possible — even before that period is up — so they can start building your claim file. If you are approaching the 3-month mark, now is the time to start preparing.
Not necessarily for an initial claim. Many people successfully lodge their own claim, particularly with the right guidance. However, having professional support significantly improves your chances — especially when it comes to gathering the right medical evidence and completing the claim forms correctly. For appeals and disputes, legal advice becomes more important. Our team can help you understand what level of support you need.
Most claims require evidence from at least two medical practitioners — typically your GP and a relevant specialist. You will need detailed reports addressing your diagnosis, treatment history, prognosis, and specifically how your condition affects your ability to work. For mental health claims, evidence from a psychiatrist or psychologist is usually required. Comprehensive, well-organised medical documentation is one of the most important factors in claim success.
Yes — there can be limitation periods depending on when your disability began and your specific policy terms. Acting sooner rather than later is always recommended. If you have been unable to work for some time and have not yet looked into your options, it is important to get an assessment done as soon as possible to ensure you don't lose entitlements.

Don't Leave Money That Is Owed to You on the Table

A free assessment takes less than 5 minutes. If you qualify, our specialist team will guide you through every step. No obligation, no cost to start.

Get My Free Assessment Now →

No obligation — Completely confidential — Australian team — Respond within 24 hours