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Total and Permanent Disablement Claims (TPD) and WorkCover


If you are unable to work due to an injury or illness there are potentially a number of compensation options available to you.


If you suffer a work-related injury, your options may include:

  • Workers’ compensation

  • Total and permanent disability insurance

  • Income protection insurance

It is sometimes possible to claim on more than just one of these at the same time.


There are some differences between TPD and WorkCover.

  • Workers’ compensation benefits are for people who are unable to work due to a work-related injury or illness. WorkCover can cover reasonable medical expenses and a proportion of your weekly wage and in some circumstances provide a lump sum benefit.

  • TPD benefits can be claimed by anyone who is unable to work. TPD benefits are usually provided through an insurance policy in your superannuation fund and generally paid as a lump sum benefit.

If you meet the criteria for a TPD claim and a WorkCover claim, it is possible to receive payments from both.


It is important to note, that the amount of financial assistance you receive from WorkCover may be affected by other income or benefits you receive, including income protection payments.

Sometimes you may also have more than one superannuation fund and therefore more than one TPD insurance policy and you may be able to claim on both of those policies at the same time.


It is important to seek legal advice if you have suffered a work injury or you are seeking to make a claim on your superannuation for TPD or income protection as we can advise you of any potential issues that may arise and assist you through the process.

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