TPD stands for Total and Permanent Disability. If you’re unable to work again due to illness or injury, your super fund may include TPD insurance. We can review your policy and confirm if you're eligible.

There are no upfront fees, ever. We only get paid if your claim succeeds, and we’re always transparent about legal costs before you proceed.

Not always. Each policy is different. Some only require you to show you're permanently unfit for your usual job, not any job. We’ll help you understand the specific definition in your cover.

Yes. Many people don’t realise they’re covered. Most super funds include TPD by default. We’ll check for you and help you claim what you’re entitled to.

It depends on your fund and medical evidence, but most TPD claims are finalised in 6 to 12 months. We’ll keep things moving and keep you updated every step of the way.

In most cases, no. At Lexmens, we pride ourselves on resolving claims through mediation and early settlement, not litigation.

We advise as to the future prospects of success and hurdles that will inevitably be confronted through litigation, such time delays, increased legal costs, stress, and uncertainty. We then weigh up the pros and cons of litigation versus settlement, guiding to you to an informed decision. We do this without compromising on fair outcomes to you.

Our goal is always to maximise your compensation without unnecessary delays or stress. We only need to escalate to court or tribunal, when it’s in your best interest.

When we have to litigate, we fight diligently and confidently, by your side.

Yes. If a diagnosed mental health condition, such as depression or anxiety, prevents you from working permanently, you may be eligible for a Total and Permanent Disability (TPD) claim through your superannuation.These claims can be complex, so it's advisable to seek expert guidance.

Even if your TPD policy has lapsed, you might still be able to claim if the policy was active at the time you became totally and permanently disabled.It's important to review your insurance history to determine eligibility.

TPD is a one-off lump sum payment if you can’t return to work permanently. Income protection pays ongoing monthly payments if you’re temporarily unable to work. You may be eligible for one or bot

Yes, in many cases you can claim a TPD lump sum even if you're receiving workers compensation, income protection payments, or Centrelink. TPD is typically a one-off insurance payment that’s not always affected by other benefits. However, the interaction between payments can be complex and might impact your entitlements depending on your policy or government benefit rules. It’s important to get tailored advice before lodging your claim to avoid complications or payment reductions.