TPD (commonly known as Total and Permanent Disability or Total and Permanent Disablement) is an insurance benefit available under a superannuation fund. This is available in addition to the contributions (account balance) made by the employer/fund member.
The Superannuation Complaints Tribunal determines TPD eligibility as to the extent a person will ever again be able to work for reward or engage in any gainful employment he/she is reasonably qualified by education, training or experience as a result of an injury or illness.
Each superannuation fund defines TPD with some differences so each fund’s trust deed and/or insurance policy will need to be carefully reviewed to ensure that the criteria of that fund has been met.
There is a large and complex body of case law explaining the various TPD definitions contained in superannuation funds’ trust deeds/insurance policies and the words contained in them.
We can assist you in submitting the strongest possible TPD claim to the superannuation fund.
