Unable to Work?
You May Be Entitled to a TPD Benefit.
Most people don't realise they have TPD cover inside their super. We can check your position and explain your options — at no cost.
- Multilingual Team
- No Win No Fee
- Free Consultation
- Common Concerns
You're Not Alone If You Have These Concerns.
These are the things most people tell us before they realise they have a claim.
“I didn't even know I had TPD cover.”
“I don't understand what 'total and permanent disability' means for my situation.”
“I'm still doing some work — I assumed that ruled me out.”
“My insurer already rejected my claim.”
“I don't know who my insurer is or what my policy says.”
“I'm worried claiming might affect my other insurance.”
Not sure if your injury counts? It costs nothing to check.
- Eligibility
Most People Can Claim — Even If They're Not Sure.
TPD insurance pays a lump sum if illness or injury has stopped you from working. It is included in most super accounts automatically — often without people realising.
- Your condition does not need to be work-related — it applies regardless of cause.
- Cover can exist across multiple super accounts — each may support a separate claim.
- You may still qualify if doing some work — it depends on your policy wording.
- A prior insurer rejection is not always final — review options may be available.
Not sure if you qualify? We can check for free.
- Common Injuries
Whatever Your Condition, It May Count.
A TPD claim can cover a wide range of injuries and illnesses that have caused you to stop work. Some of the common reasons for TPD claims are:
Heart Conditions
Neurological Conditions
Cancer
Chronic Illnesses
Musculoskeletal Injuries
Back, Neck & Spinal Injuries
Chronic Pain Conditions
Traumatic Brain Injuries
Not sure if your injury counts? It costs nothing to check.
- Your Entitlements
A Successful TPD Claim Can Provide More Than You Might Expect.
If your claim is approved, the benefit goes beyond a single payment. Depending on your policy and super fund, you may be entitled to several things at once. We assess all available entitlements from the outset.
Your TPD insurance claim
A lump sum payment if illness or injury has permanently stopped you from working.
TPD insurance pays a one-off benefit if your condition satisfies the definition in your policy. The amount depends on your level of cover at the time you stopped working.
What you may be entitled to
- Lump sum TPD benefit (amount depends on your policy)
- Early release of your superannuation balance
- Separate claims on multiple super accounts
- Review or dispute of a prior insurer refusal
Find out what you may be entitled to.
- Time limits apply.
Limitation periods apply to TPD insurance claims, and delay can close off options that may otherwise be available. Seeking early advice protects your entitlements.
- What to do now
Four Things That Protect Your Position.
Check your super statements
Most TPD cover is held inside your superannuation. Log in to your fund’s portal or call them directly to confirm what insurance is attached to your account. If you have held multiple accounts, check each one.
Keep all medical records
GP letters, specialist reports, treatment plans, hospital records — keep everything. Your medical evidence is the foundation of any TPD claim. If you are unsure whether something is relevant, keep it anyway.
Do not contact your insurer alone
What you say to your insurer early on can affect your claim later. Before making contact or responding to requests, it is worth getting advice so your position is protected from the start.
Speak to a lawyer — it costs nothing
A short conversation is all we need to assess your position and explain your options. There is no cost and no obligation. We can tell you whether your situation is worth pursuing.
Ready to take the next step?
- What you can expect
What Having Us on Your Side Actually Means
When you're dealing with the aftermath of illness or injury, you deserve a team that treats your claim like it matters — because it does.
No Win No Fee
No charge upfront and no hidden fees. We never increase our fee based on what you receive — if we don't win, we don't get paid.
Your claim gets our full attention
We specialise exclusively in personal injury law, so your matter is guided by experience that's both focused and refined.
Talk to us in your language
We speak English, Mandarin, Cantonese, and Vietnamese — you will always know exactly where your claim stands, in your language.
You'll always know what's happening
Your claim follows a clear, structured process with defined checkpoints — so nothing falls through the cracks and you're never left guessing.
Senior oversight at every key decision
Every critical stage of your matter is reviewed by a partner, ensuring it's handled with the level of expertise it deserves.
We work around your recovery
We're available after hours, on weekends, or online — so you can focus on your recovery while we handle the rest.
- How It Works
What Happens When You Work with Us
We handle everything — while you focus on recovery.
Free Consultation
We listen to your situation and give you an honest view of your options and entitlements — no cost, no obligation.
We Formally Engage
When you’re ready to proceed, we provide a Costs Agreement and formally take on your matter — no upfront payment required.
We Build Your Claim
We build the most compelling case for your claim — gathering evidence, securing medical reports, and managing every insurer interaction on your behalf.
We Achieve Your Outcome
We negotiate the best possible outcome your circumstances allow. Our fees come from the settlement — you only pay if we win.
- No Win No Fee
- Google Reviews
In Their Own Words
"I had an excellent experience with Ms Sookie Peng, Yun Teng and the team, after being involved in a car accident. They helped me with both my CTP claim and WorkCover claim, and the final outcome was far better than I ever expected. Throughout the entire process, which took over a year, they were always extremely patient, professional, and responsive. .."
"I had an excellent experience with Ms Sookie Peng, Yun Teng and the team, after being involved in a car accident. They helped me with both my CTP claim and WorkCover claim, and the final outcome was far better than I ever expected. Throughout the entire process, which took over a year, they were always extremely patient, professional, and responsive. No matter how many questions I had, they took the time to explain everything clearly and always replied quickly, which gave me a lot of peace..."
"I had an excellent experience with Ms Sookie Peng, Yun Teng and the team, after being involved in a car accident. They helped me with both my CTP claim and WorkCover claim, and the final outcome was far better than I ever expected. Throughout the entire process, which took over a year, they were always extremely patient, professional, and responsive. No matter how many questions I had, they took the time to explain everything clearly and always replied quickly, which gave me a lot of peace of mind during a very stressful time. I truly appreciate their dedication and support, and I strongly recommend Sookie Peng and Yun Teng to anyone needing help with a personal injury claim."
"I recently had the pleasure of working with Ascent Lawyers on my CTP case, and I cannot recommend them enough. They were exceptionally professional, thorough, and supportive throughout the entire process. Their attention to detail and clear communication made a complex situation much easier to navigate. I always felt confident that my case was in capable hands. Thank you for your outstanding service!"
"After my car accident, I learned about Ascent Lawyers through a friend. They provide friendly, outstanding, and professional service. Andy Luu, in particular, is respectful, courteous, knowledgeable, and professional. He always helps me with the paperwork for my case and quickly responds to my inquiries. He explained all the details of the process clearly. I highly recommend Ascent Lawyers to anyone with a personal injury accident case. Thank you so much for your service."
"I'm so glad I decided to do a CTP Claim with Ascent. Lily, Mengpei and the team went above and beyond what I thought lawyers would do and genuinely helped a lot . At first I was hesitant because I knew nothing about CTP before. But the team is so professional, supportive, and explained everything clearly from start to finish. I felt well looked after throughout the entire process and am very happy with the result. I would highly recommend Ascent Lawyers."
"I was involved in a car accident and didn’t know where to start with my CTP claim. A friend recommended Ascent Lawyers, saying they were professional and genuinely cared about their clients — and they were absolutely right. From the beginning, the team made me feel supported and informed. The insurance process was really stressful and difficult to deal with on my own, but having a Chinese lawyer who could explain everything clearly in my own language made a huge difference. Ascent Lawyers took care of the legal side so I could focus on my recovery and getting my life back on track. They were patient, responsive, and fought hard for me. I’ve now received my compensation, and I’m truly grateful for their help throughout the whole journey. If you’ve been injured in a car accident and are going through a CTP claim, I highly recommend Ascent Lawyers in Brisbane. They made a hard time so much easier."
"Going through a CTP claim after my accident was overwhelming at first, but Lily made the whole journey feel so much easier. She didn’t just act like my lawyer — she felt more like a friend who genuinely cared about me and my situation. Lily always went above and beyond, always checking in, explaining things clearly, and making sure I felt supported. I’m truly grateful for all the help received, highly recommend Lily to anyone in need."
- FAQ
Questions We Hear Every Day
Answers to the questions we hear most often.
A good starting point is your super statements or your fund's online portal. You can also call your fund directly to confirm what cover is in place and which insurer is involved. If you have held multiple accounts, it is worth checking each one. We can help you work through this if you are unsure where to start.
There is no single definition. Most policies use one of two tests: whether you can return to your usual job, or whether you can work in any role suited to your background and experience. Which test applies, and whether your condition satisfies it, is often the critical question. It is worth getting advice before assuming you do not qualify.
An own occupation policy asks whether you can return to your specific job. An any occupation policy asks whether you can do any work you are reasonably suited for by education, training or experience. The wording of your policy determines which applies, and it can significantly affect whether a claim succeeds.
Sometimes. It depends on your policy definition and whether the work you are doing is genuinely comparable to your pre-illness capacity. Some policies allow a claim where work is significantly reduced or unsustainable. A brief claim check can help clarify whether your situation is worth exploring.
Not necessarily. A refusal can often be reviewed or challenged through the fund's internal complaints process or external dispute resolution. In some cases, legal proceedings are also available. We can look at your decision letter and policy to advise on what options may exist.
In short, yes. If you hold several superannuation accounts with active cover, you may be able to make a separate claim under each. Each policy is assessed independently. There are some exceptions depending on policy structure, so it is worth checking all accounts you have held.
For super-linked cover, the benefit is often paid into your superannuation account first. The fund trustee then assesses whether to release it directly to you, typically on compassionate or permanent incapacity grounds. For standalone policies, payment is usually made directly. We can explain the usual pathway once we know your fund and policy type.
Sometimes. Policies can be linked, meaning a TPD benefit may reduce connected cover such as life or death cover. It depends entirely on how your policies are structured. We can check this for you before anything is lodged.
