Total and Permanent Disability Claims
Total and Permanent Disability (TPD) Claims
Illness or injury can affect more than day-to-day health. It can also significantly impact employment and financial security.
For veterans and their families, recovery from illness or injury may be further complicated by postings, access to medical care, and rehabilitation needs.
If a veteran cannot return to work, or is unlikely to return to work suited to their education, training, or experience, they may be able to seek compensation through a TPD claim against an insurer, usually linked to a superannuation policy.
Veterans First Legal provides clear, plain-English advice and support for TPD claims across Australia, and adopts a trauma informed approach.
Whether you need advice or want to pursue a TPD claim, we are here to help.
What We Help With
Evidence review
Reviewing identified policies to assess the TPD clause and any exclusions.
Identifying relevant policies
Helping identify and locate policies that may support a claim.
Policy review
Reviewing identified policies to assess the TPD clause and any exclusions.
Advice on prospects
Advising on the likely prospects of a successful TPD claim.
Claim preparation
Preparing the TPD claim and liaising with the insurer on your behalf.
Decision review
Advising on the insurer’s decision and preparing any required review application.
We are ready to help you.
Connect with us.
Military-Specific Considerations
Veterans and their families encounter distinct disability-related circumstances.
Multiple injuries
Veterans may have multiple service-related illnesses or injuries, some of which may not be apparent at discharge.
DVA
Although DVA does not manage TPD claims, many veterans have accepted DVA claims. These may help establish the factual background but do not automatically satisfy a TPD or invalidity definition.
Discharge
Whether a veteran was medically, administratively, or voluntarily discharged—or discharged before their condition was fully recognised—may affect the available pathway and evidence required.
Postings and deployments
Postings, deployments, operational tempo, combat exposure, training injuries, and service culture can affect diagnosis, treatment, and delays in reporting symptoms.
Serving Veterans Across Australia
Veterans' TPD claims are shaped by multiple, sometimes undetected, service-related injuries; accepted DVA claims that inform but don't guarantee eligibility; the nature and timing of discharge; and service factors like deployments, operational tempo, and combat exposure that can affect diagnosis and delay symptom reporting.
Ready to Discuss Your Situation?
Our team is here to help you understand your options.