Total and Permanent Disability (TPD) Lawyers NSW

Various kinds of injuries could form the basis for a TPD insurance claim in NSW. Total and Permanent Disability can arise from various circumstances, such as physical injuries, mental health conditions, and chronic illnesses that prevent individuals from returning to their regular employment.

Common physical injuries include:

• Back and spinal cord injuries
• Traumatic brain injuries
• Loss of limbs
• Severe burns
• Fractures and joint injuries

Mental health conditions have become increasingly recognised as valid grounds for TPD claims and account for around 20% or more of claims. Post-traumatic stress disorder (PTSD) is a common claim, particularly among military personnel and those who have experienced traumatic events.

Chronic conditions that frequently result in TPD claims include:

• Heart disease
• Multiple sclerosis
• Chronic pain conditions
• Autoimmune disorders

The short answer is yes, but it can be complicated, so it is best to seek legal advice before making multiple TPD claims. Depending on the nature of the injury or illness, how it happened, and where it occurred, you may also be able to make additional compensation claims alongside your TPD claim (such as workers’ compensation, MVA claims, etc.), which is another reason it is important to speak with experienced legal professionals about your case before making a claim.

A successful TPD claim usually results in a lump sum payment. However, it can also result in a regular or a combination of a lump sum payment and instalments.

There are no “out-of-pocket” costs in many compensation claim cases in NSW, and many law firms operate under a ‘no win, no fee’ guarantee. However, we understand finances can be complicated and can discuss all financial information during the initial obligation-free consultation.