If you can’t work due to injury or illness, we can help you access your life insurance, superannuation or TPD insurance and income protection benefits.
A serious injury or illness can impact more than your ability to work; it can affect your income, superannuation, and long-term financial security. If your total and permanent disability claim (TPD) has been delayed, declined, or you’re unsure where you stand, expert legal guidance can help you take back control.
At Hall Payne Lawyers, we support Australians with practical, people-first advice that clarifies your options and helps you move forward with confidence.
Australians across industries trust us to provide legal guidance that protects what matters most, from navigating workplace challenges to safeguarding your superannuation and TPD entitlements. Here’s what underpins our successful approach.
We understand the unique demands of your workplace, whether you’re in a high-risk trade, health, or a corporate setting. This allows us to build a strategy tailored to the specific realities of your profession, especially when it comes to maximising your superannuation and TPD claims.
We make complex legal matters simple. Our team guides you through your rights and options in clear, straightforward language, helping you feel confident and in control of every superannuation or TPD decision.
Legal support should be a solution, not a source of financial stress. We provide clear, upfront details on fees and funding from the start, so you can move forward without the worry of hidden costs or unexpected surprises.
Starting a claim can be daunting, but we are here to make the process as simple as possible.
It all starts with a conversation with one of our experts to determine if we can help you. We take the risk out of the first steps by providing the clarity you need to decide what’s right for your future.
Straightforward answers to common Superannuation & Insurance questions.
Think of a Total and Permanent Disability (TPD) claim as a financial safety net. It’s a lump sum payment designed to support you if a serious injury or illness (physical or psychological) prevents you from ever returning to your day to day life. As every insurance policy has different legalities regarding what qualifies, we help you translate those complex definitions into a successful claim.
Most Australians actually have TPD or income protection cover without even realising it, as it is often tucked away inside their superannuation. If you can no longer work due to your health, you likely have a right to claim. We can help you track down your policies and determine exactly what you are entitled to.
When an injury or illness halts your career, it doesn’t just stop your income; it stops your super contributions, too. A TPD claim is specifically designed to bridge that gap. We ensure your claim is structured correctly so that it accounts for your unique medical history and secures the maximum benefit allowed under your policy.
In many cases, yes. These are often separate benefits, and you may be able to access monthly income protection payments while your lump sum TPD claim is being processed. Since the rules for “double dipping” vary between insurers, we review all your funds and policies to ensure you’re not leaving any money on the table.
A rejection is not the end of the road. Insurers often decline claims on technicalities or a lack of medical evidence. We specialise in challenging these decisions. Whether it’s lodging a formal complaint or gathering fresh evidence, we stand by you to turn a ‘no’ into the ‘yes’ you deserve.
Facing challenges with superannuation or insurance claims? Our blog offers practical articles and updates from our legal team on TPD claims, superannuation disputes, insurance matters, and related topics.
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