Legal Service
Total & Permanent Disability Insurance

Your Trusted Total And Permanent Disability Lawyers

Total and permanent disability, or TPD, is insurance that provides a lump sum payment if the insured person becomes injured or ill and is no longer able to return to work within their education, training and experience. TPD insurance is typically included as part of most Australian’s superannuation accounts, but can also be purchased as a standalone policy. Unfortunately, we find that insurance companies often unnecessarily decline or delay genuine claims. Total and permanent disability lawyers can help those affected to pursue their entitlements to get what they are owed.

Injuries, illnesses, and emotional distress from coping with the realities of total and permanent disabilities can be traumatic for those affected, as well as their families. Being unable to cover medical and other expenses can exacerbate this distress.

TPD insurance policies can vary drastically in terms of their coverage, their terms and conditions, and their exclusions. An experienced total and permanent disability lawyer can assist claimants to navigate these complicated policies and fight for their entitlements, all while remaining sensitive to their medical needs and emotional distress.

Littles has worked with countless clients who have been affected by total and permanent disability. We can help you get your full entitlements from an insurer. Some clients use their accepted claims on things like:

  • Medical expenses and rehabilitation
  • Paying off a mortgage or other debt
  • Making modifications to their home or car
  • Retraining or reskilling in the hope of returning to work

If you or someone you know is experiencing difficulty with a claim for total and permanent disability, seek help as soon as possible. Our disability insurance lawyers can give you practical advice in simple language and advise you on how to access all of your entitlements.

Superannuation Claims

Superannuation Claims

Many Australians have total and permanent disability insurance cover with their superannuation fund by default. However, in some cases, there are specific terms and conditions or exclusions that mean that the claimant is not able to claim some or all of their entitlements.

Littles’ expert disability lawyers can help you pursue your superannuation insurance entitlements.
Employment Contract

Employment Contracts

Some employment contracts offer total and permanent disability insurance benefits. Unfortunately, when the time comes to take advantage of these benefits, some insurance companies are unwilling to make payment. We can help you fight to claim your entitlements from the insurer.

Discover how we can help you seek insurance benefits under your employment contract.
Enterprise Bargaining Agreement

Enterprise Bargaining Agreement

Some employers work under the terms of an enterprise bargaining agreement. These agreements may include insurance policies that are payable if you become totally and permanently disabled. We can help you seek your entitlements under these agreements.

Learn how we can help with your total and permanent disability claim.
Insurance Purchased Through A Financial Advisor

Insurance Purchased Through A Financial Advisor

While most Australians have total and permanent disability insurance cover by default in their superannuation, some Australians have a standalone or retail total and permanent disability policy that has been set up by a financial advisor. However, some total and permanent disability schemes do not cover you sufficiently.

We can help you pursue a total and permanent disability claim.
CTP Driver At Fault Comprehensive Insurance

CTP Driver At Fault Comprehensive Insurance

CTP insurance covers the driver not at fault for injury in full, but it typically only covers the at-fault driver for fundamental emergency medical care. If you or a loved one has been catastrophically injured in an at-fault accident, you may be able to claim compensation.

Our skilled disability lawyers can help you pursue compensation.
TPD Claims

TPD Claims

If you are rendered unable to work within your education, training and experience due to an injury or illness, you may be able to make a total and permanent disability claim, or TPD, claim. However, it is important that you submit the correct information at the right time to guarantee a successful claim.

Enlist a skilled disability insurance lawyer to help make your claim.
Superannuation Claims
Employment Contract
Enterprise Bargaining Agreement
Insurance Purchased Through A Financial Advisor
CTP Driver At Fault Comprehensive Insurance
TPD Claims
When it comes to workplace injuries, there are often strict time limits for making a claim, so take advantage of our FREE initial consultation today.

The sooner our workers’ compensation lawyers determine your eligibility to make a claim, the sooner we can help you seek funding from your employer. This will allow you to access funds for medical expenses and rehabilitation as soon as possible.

Ready to assess your workers’ compensation claim?

Get a FREE initial consultation.

Get in contact with our friendly team.
Frequently Asked Questions

You’ve probably seen a lot of lawyers use the term ‘No Win, No Fee’. Long story short: you only pay us when you achieve a successful outcome. So if you don’t get paid, we don’t get paid.

Let’s break it down.

  • We start by reviewing your claim in detail and give you a clear assessment of your prospects for success. We’re experts in compensation law, so we can give you an accurate assessment of your claim.
  • Once we’ve established that you should pursue your claim, you can tell us if you want us to proceed as your legal representatives. To formally appoint us as your legal representative, you will enter into a ‘Conditional Costs Agreement’ with us. This is a legal contract that sets out the likely costs of running your claim based on our fees, as well as the rights and responsibilities of you as the client and us as your legal representatives.
  • We’ll explain it clearly and thoroughly, with as little legal speak as possible – we promise you’ll understand it completely.
  • Importantly, this agreement will set out the ‘No Win, No Fee’ arrangement in black and white. This specifies that you will not pay us anything if your claim is not successful. Our ‘No Win, No Fee’ agreement also covers you for disbursements, or outlays. These are expenses that we may need to pay to progress your claim, including medical reports, expert witness fees and barristers’ fees.
  • In certain circumstances, you may be required to pay the other party’s legal costs if you are unsuccessful.
  • Remember, your success rests on you providing us with an honest, comprehensive account of all matters relevant to your claim.

Yes! At Littles, we have lawyers for everyone. Like Australia, we are diverse and proud of it. We believe that everyone deserves high-quality legal representation.

We offer our services in more than sixteen different languages, including:

  • Korean
  • Japanese
  • Cantonese
  • Mandarin
  • Vietnamese
  • French
  • Czech
  • Slovak
  • Indonesian
  • Farsi
  • Nepali
  • Filipino
  • Sinhala
  • Arabic
I had a car accident here 20 years ago. This law firm helped me solve the compensation issue. They have a professional legal team and helped me get the compensation I deserve. Thank you to this team for your three years of companionship. I feel that they are very reliable, so I recommend them to everyone. I hope everyone will avoid making detours! Special thanks to Larry Bishay Je jim je Jun they are very patient👍
Xon Lixin
Thanks for your Fantastic service.. I was worried about claiming for work cover because I didn’t know how to do it, when to do it, or what the important things were. I had two operations on my right hand after two months. And then I met you. Within a few weeks, you solved everything for me.. Today, I feel very comfortable... Thanks so much Larry
Park Dong Su
Great service and advise provided .very professional and explain your matter to you in simple way .
Amana Sidhu
Can highly recommend Littles Lawyers! Littles handled my TPD claim with fantastic results. They were professional yet friendly, extremely thorough, transparent at every point and very informative. They kept me updated throughout the entire process and made life easy at my end whilst completing volumes of work at their end in a very timely manner. Dealing with Littles has been a very pleasant experience 😊
Andrew Reynolds
Lawyer Steven Zhang and his team have demonstrated impressive professionalism and hard work. Their dedicated handling of my case and committed spirit have made the entire legal process smoother and more reliable. In legal matters, they have shown a high sense of responsibility and outstanding teamwork, providing me with satisfactory service. Sincere thanks to Lawyer Zhang and his team for their hard work on the case
Xing Gao
I wish to thank Littles Lawyers for all the help and support they gave during the past 3 years and to settle my claim. I am very happy with the out come. They conducted there selves in a very professional manner. A special thanks to Jessica and her staff excellent work.
Deborah Hodson
My gratitude towards Lawyer Steven Zhang and his team is beyond words. They have demonstrated outstanding professionalism and relentless effort, providing unparalleled support for my case. Lawyer Steven Zhang, with his profound legal knowledge and attention to detail, has made the entire legal process smoother. His team has equally excelled, showcasing a high sense of responsibility and exceptional teamwork. I sincerely thank Lawyer Zhang and his team for their hard work on the case; their professionalism and dedication are truly admirable.
Miley Gao
I would like to highly recommend the Little Lawyers Sydney for their support,understanding, expert advice and professionalism in helping and guiding me in what was a very difficult and stressful period in my life.Steve and his team Jessica, Jacinta and Karen guided me, kept me informed for every step of the process and did their very best to achieve a best and fairest outcome for me. Thanks Steve and his team for all your help!
Cecily Lin
I wouldn’t hesitate to recommend Little Lawyers to anyone that needs legal support & representation. I dealt with Dean Kenny & he was nothing short of professional, respectful & open with his discussions with me. Always making sure I understood everything clearly every step of the process in my legal matters. If you are searching for exceptional support, call Dean!!!!
Maddie J
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