Website terms
Terms, disclaimer and use conditions
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. It may help you identify common TPD claim issues, such as policy definitions, medical evidence, failed return-to-work attempts, income protection history, workers compensation overlap, preservation age questions, insurer delay or claim denial. It does not create a solicitor-client relationship and should not be treated as advice about whether your claim will be accepted.
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 a claim result, payment amount, assessment timeframe, insurer decision, settlement, complaint outcome or court or tribunal result. Examples and guides are provided to explain issues in a practical way. They are not promises that the same approach will work in another 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.
Accuracy, currency and external sources
We try to keep pages accurate and useful, but insurance law, superannuation practices, medical assessment expectations and regulator guidance can change. Older pages should be read with care. Where a page links to an insurer, superannuation fund, regulator, legislation, AFCA, court or public resource, that external source is controlled by the third party and may change without notice.
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.
Using the website and enquiry forms
You may use this website for lawful personal information purposes. Do not misuse forms, upload harmful material, attempt to interfere with the website, scrape it in a way that affects service availability, or use the content to mislead another person about their legal rights.
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.
Privacy and confidential information
TPD claims often involve sensitive health, work and financial information. Please read the privacy page before sending information through the website. If a matter is urgent, contains a deadline, or involves a current insurer or superannuation decision, state the deadline clearly and keep copies of any documents you send.
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.
Responsible legal information standard
This website aims to explain TPD claim issues in plain language without overstating outcomes. Pages should be read as issue-spotting and preparation material: they help you ask better questions, organise documents and understand why a claim may require policy-specific advice.
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.