TPD Claims NSW: With or Without Insurance

TPD (Total and Permanent Disability) insurance pays a lump sum if you’re unlikely to ever work again in your occupation (or any occupation, depending on the policy). Many super funds include TPD cover — but you can still access your super balance through permanent incapacity even without TPD insurance or if a TPD claim is denied.

• With TPD Insurance: Claim through your super fund’s insurer for a potentially larger payout.
• Without TPD Insurance: Access your accumulated super via permanent incapacity rules — no insurance required.
• Common Conditions: Spinal injuries, cancer, severe mental health issues, neurological disorders, heart disease.

We handle both standalone super access and full TPD claims NSW, including disputes and appeals.

Early Superannuation Access in NSW (Permanent Incapacity)

Accessing super early is allowed when you’re permanently unable to work. This “permanent incapacity” pathway lets you tap into your super savings without needing TPD insurance. Key points include:

• Permanent Incapacity: Condition preventing work in any job suited to your skills/education.
• Medical Certification: Two doctors (e.g., GP + specialist) must confirm your condition.
• No TPD Required: Access your full super balance as a lump sum or income stream.

Learn more about permanent incapacity super access rules from the ATO.

Eligibility for TPD Claims & Early Super Access in NSW

Both pathways require strict medical evidence and assessment:

• Unlikely to work again in any suited role (or your own occupation for “own-occupation” TPD policies).
• Certification from two doctors.
• Review by super fund trustee and/or insurer.

We assess your eligibility quickly — whether you have TPD cover or not.

Steps for TPD Claims NSW and Early Super Access

1. Gather Medical Evidence: Obtain reports from two doctors confirming permanent incapacity/TPD.
2. Check Super Fund & Policy: Review your super balance, TPD cover (if any), and rules via your ATO account or fund.
3. Submit Claim: Lodge application with medical reports, ID, and supporting documents.
4. Review Process: Fund/insurer evaluates (weeks to months); we follow up.
5. Appeal Denials: If rejected, we appeal to the fund/insurer or escalate to the Australian Financial Complaints Authority (AFCA).

No Win No Fee — we fight for your entitlement.

Why Choose Palazzolo & Associates for TPD Claims NSW

• No Win, No Fee: Pay nothing unless we succeed — applies to super access and TPD claims. Learn more.
• Specialised Expertise: Deep knowledge of super rules, TPD policies, denials, and appeals.
• Local & Mobile: Oran Park based, serving all NSW — we visit you at home, hospital or work.

“Palazzolo & Associates made my TPD claim and super access stress-free after a severe injury. Highly recommend.” – Anonymous Client

Frequently Asked Questions – TPD Claims & Super Access NSW

Who qualifies for TPD claims NSW or early super access? Anyone permanently unable to work, certified by two doctors. We check eligibility fast.Do I need TPD insurance to access super early? No — permanent incapacity access works without it.What if my TPD claim in NSW is denied? We appeal to the insurer/fund or escalate to AFCA.How long does a TPD claim or super access take? Weeks to months — we streamline the process.Can I pursue both super access and a TPD claim? Yes, if you have cover — they can work together.

Mobile Legal Services Across NSW

Convenience matters. Our lawyers come to you — at home, hospital, or workplace — for TPD claims NSW and early superannuation access support.