This page explains the limits of the information on mytpdclaims.com.au. The website is designed to help you understand TPD claim issues, but it is not a substitute for advice about your own policy, evidence and circumstances.
Website disclaimer
This page explains how to use mytpdclaims.com.au and what the information on this website can and cannot do. The site is designed to help people understand Total and Permanent Disability (TPD) claim issues in superannuation-linked insurance, but it is not a substitute for legal advice about a specific policy, medical history, employment history or insurer decision.
General information only
The material on this website is general information about Total and Permanent Disability (TPD) claims in Australia. It may help you understand common issues such as policy definitions, medical evidence, work history, insurer or trustee questions, delays and declined claims. It is not legal advice tailored to your circumstances.
TPD claims are highly fact-dependent. The wording of the policy, the relevant date of assessment, your work history, training and education, treating medical evidence, insurer correspondence and superannuation fund rules can all change the answer. You should obtain advice tailored to your circumstances before making legal, financial or claim-strategy decisions.
No guarantee of outcome
Nothing on this website guarantees that a TPD claim will be accepted, that a payment will be made, that a particular amount will be paid, or that a dispute, complaint or review will succeed. Outcomes depend on policy wording, medical and employment evidence, claim history, insurer or trustee assessment and the facts of the individual matter.
Where the website discusses evidence, it is describing common categories of material that may be relevant. The correct evidence in an individual matter depends on the policy definition and the reason the insurer, trustee or fund has accepted, delayed, questioned or rejected the claim.
Policy wording and evidence matter
TPD claims can turn on the exact wording of the insurance policy and the evidence available about capacity for work. General examples on this site should not be treated as a prediction of what will happen in another claim.
If you rely on an external document, check the current version directly from the official source. A website summary should never replace the actual policy wording, insurer decision, trustee correspondence or medical material in your own file.
No lawyer-client relationship from reading the site
Reading this website, using a checklist, or sending a general enquiry does not by itself create a lawyer-client relationship. A relationship is created only when Stephen Young Lawyers agrees to act for you and the terms of engagement are confirmed.
If you submit an enquiry form, provide accurate contact details and avoid sending unnecessary sensitive material unless requested. Form submission helps us understand the type of issue, but it does not by itself create an engagement. Any legal service must be confirmed separately in writing with appropriate terms.
Currency and third-party information
We try to keep the information useful and current, but law, regulator guidance, insurer practices and superannuation procedures can change. External links are provided for context only and may change without notice.
Do not assume that information sent through a website form is privileged or confidential in the same way as information provided after a formal engagement. If you are unsure whether to send a document, ask first.
Sensitive information
TPD claims often involve medical, employment and financial information. Avoid sending unnecessary sensitive documents through a web form unless requested. If a deadline or urgent insurer request applies, say so clearly when contacting us.
If any page appears outdated, unclear or inconsistent with a current insurer, fund, regulator or court source, the current source and your own documents should be checked before relying on the page.
Examples are not a substitute for advice
Pages on this website may describe common claim patterns, evidence problems, insurer questions, superannuation pathways, complaint options or dispute pathways. Those examples are intended to make the issues easier to understand. They should not be treated as advice that a particular strategy is suitable for your claim, or that an insurer, trustee, complaint body or court would reach the same view in your circumstances.
No urgent-deadline reliance
If you have received a decision letter, an insurer request, a trustee request, a complaint deadline, an internal review timeframe or a court or tribunal deadline, do not rely only on general website information. Time limits can be strict. You should obtain advice about the particular document and deadline as soon as possible.
No financial, tax or medical advice
This website does not provide financial advice, tax advice, medical advice, Centrelink advice or superannuation product advice. TPD payments may interact with tax, superannuation release, Centrelink, income protection, workers compensation, CTP claims, employment rights and estate issues. Those issues may need separate advice from an appropriately qualified professional.
No duty to update every page immediately
We may update pages over time as legislation, regulator material, insurer practices, medical evidence expectations or website structure changes. A page may remain useful even if a newer development has occurred, but it should not be treated as a complete statement of the law or claims practice at all times.