At Beach2Bush Injury Lawyers, we help people across Brisbane, regional Queensland and rural communities understand their rights and navigate the TPD claims process with clear, practical advice.
Many people do not realise they may have TPD insurance attached to their superannuation — even if they have:
We assist clients with TPD claims involving:
A TPD claim is a claim made against insurance held inside your superannuation fund.
TPD stands for Total and Permanent Disability.
Generally, TPD insurance is designed to provide a lump sum payment where a person is unable to return to work because of illness or injury.
ASIC explains that many superannuation accounts automatically include insurance such as TPD cover, depending on eligibility and fund arrangements. (moneysmart.gov.au)
Every super fund and insurance policy is different, which is why obtaining legal advice can be important.
TPD claims can arise from many different conditions and injuries.
We regularly assist clients with:
You do not necessarily need to be permanently bedridden or completely incapacitated to qualify for a TPD claim.
Most TPD claims involve:
identifying whether you had insurance cover
reviewing the policy terms
gathering medical evidence
obtaining employment and financial information
lodging claim documentation
dealing with the insurer and super fund
assessing the insurer’s decision
Some people may have multiple superannuation accounts and potentially more than one TPD policy. Because each policy can have different definitions and requirements, proper assessment is important.
The definition of TPD depends on the insurance policy.
Common definitions may consider whether:
The exact wording of the policy matters significantly.
Many people are unaware they had insurance attached to their superannuation.
This can happen because:
As part of the claims process, we can help identify:
A rejected TPD claim does not always mean there are no further options.
Claims may be rejected because:
If your claim has been denied, it is important to obtain advice before assuming the matter is over.
Successful TPD claims usually involve a lump sum insurance payment.
The amount depends on:
Some people may also have:
Every TPD claim is different.
Timeframes can depend on:
While every claim is different, and some are decided quicker or slower than others, the average time frame for a decision by the insurer of a TPD claim is 6 months from the date the claim is lodged. For Income Protection claims, the average time for a decision from the date of lodgement of the claim is 2-3 months.
Complex or disputed claims may take longer to resolve.
Some people assume they cannot claim because they:
That does not automatically prevent a TPD claim.
Many policies focus on your ability to return to work in a meaningful or sustainable way based on your education, training and experience.
When you contact us, we can help:
identify potential superannuation insurance cover
explain policy definitions
review medical evidence
obtain relevant records
prepare and lodge claim documentation
communicate with super funds and insurers
explain insurer decisions
assess rejected claims
provide clear advice about your options
We focus on practical guidance and straightforward communication.
You are not treated like a claim number or passed through large call centres.
We assist clients across Brisbane, regional Queensland and rural communities.
We explain your options in plain English and provide realistic guidance about the process.
For eligible TPD matters, we may offer no win, no fee arrangements.
If your claim has been rejected or another firm has said no, we can review the details carefully and explain your options.
Beach2Bush Injury Lawyers assists clients throughout Queensland, including:
Wherever you are located, we aim to make the process accessible and straightforward.
Possibly. Many super funds include TPD insurance automatically, depending on eligibility and the type of account held.
Potentially. Eligibility depends on when cover existed and the policy terms.
Possibly. Some people hold multiple super accounts with separate insurance cover.
You may still have options available. Rejected claims should be reviewed carefully before giving up.
Yes, depending on the policy and medical evidence.
A TPD insurance payment is paid directly into your superannuation account on top of the balance you already hold in your account. Withdrawing your insurance payment from your superannuation account may have taxation and other implications and financial advice is recommended when you are considering withdrawals.
You’re not just a number to us we take the time to listen, understand your situation, and help you feel confident about your next step.
Principal Lawyer
Meet Sally Lewis
As Principal Lawyer, I bring many years of experience assisting clients through complex personal injury and compensation matters, including workplace injuries, motor vehicle accident claims and TPD claims.
Throughout my career, I have worked closely with people facing significant challenges following injury or illness, and I understand the impact these situations can have not only financially, but emotionally and personally as well. My focus is on providing strong legal guidance while also ensuring clients feel supported, informed and confident throughout the process.
I am passionate about advocating for everyday Australians and helping clients navigate what can often feel like an overwhelming system. I believe experience matters when dealing with insurers, claims processes and legal strategy, but I also believe clients deserve a lawyer who is approachable, honest and genuinely invested in achieving the best possible outcome for them.
Leading the team at Beach2Bush Injury Lawyers, I am committed to building a firm that combines experienced legal representation with real human support and practical guidance for clients across Brisbane and regional Queensland.
For me, the most important part of this work is helping clients regain stability, confidence and peace of mind during difficult periods in their lives.
Principal Lawyer
Meet James Hunter
As Principal Lawyer, I have extensive experience assisting clients through complex TPD claims and personal injury matters. Over the years, I have worked closely with people facing serious illness, injury and financial uncertainty, helping them navigate claims processes that can often feel overwhelming and stressful.
I have a particular focus on Total and Permanent Disability (TPD) claims and understand the significant impact these situations can have on individuals and their families. Dealing with superannuation funds, insurers and medical evidence can be complicated, especially when someone is already trying to manage their health and future. My role is to help take that pressure off clients and guide them through the process with clear advice and strong representation.
I believe experience is critical when handling TPD matters, particularly when claims involve complex medical histories, pre-existing conditions or declined claims. I am passionate about helping clients understand their rights and ensuring they feel supported and informed throughout every stage of their matter.
I am proud to be part of a team focused on delivering practical legal solutions with genuine care and support for clients across Brisbane and regional Queensland.
For me, the most rewarding part of this work is helping clients regain financial security and confidence during some of the most difficult periods of their lives.
Lawyer
Meet Kyara Catheray
I know that after an injury or major life change, many people are simply looking for someone they can trust to guide them through the process without making things more stressful than they already are.
I assist clients with personal injury and compensation matters including workplace injuries, motor vehicle accidents and TPD claims. I enjoy helping clients understand their options and supporting them through each stage of their matter in a way that feels approachable and straightforward.
One of the things I value most is building genuine relationships with clients and ensuring they feel comfortable asking questions and reaching out when they need support. I understand that every client’s situation is different, and I believe taking the time to listen and understand their circumstances is an important part of achieving the best possible outcome.
Helping people regain confidence and feel supported during uncertain times is one of the most rewarding parts of what I do.
Legal Assistants
Meet Tyler Mitchell
For many people, the first phone call to a law firm can feel intimidating. My role is to make that first conversation feel comfortable, supportive and easy to navigate from the very beginning.
As the first point of contact for many of our clients, I assist with lead enquiries and help guide people toward the right information and support based on their circumstances. I understand that when someone reaches out to us, they are often dealing with stress, uncertainty or significant life changes, so taking the time to listen and genuinely understand their situation is important to me.
I pride myself on being approachable, responsive and making sure people feel heard from the very first interaction. Whether someone is enquiring about a workplace injury, motor vehicle accident or TPD claim, my goal is to ensure they feel comfortable asking questions and confident about the next steps.
Helping people feel supported from day one is one of the most rewarding parts of what I do.
Legal Assistants
Meet Charlotte Lynton
I understand that legal matters can often feel confusing and overwhelming, particularly when someone is already dealing with injury, illness or uncertainty about the future. I enjoy helping clients feel more at ease by providing support, guidance and reassurance throughout the process.
I assist across personal injury and TPD matters and enjoy working closely with clients to ensure they feel informed and supported as their matter progresses. I believe that good communication and attention to detail can make a significant difference to a client’s experience during what is often a stressful time.
I am passionate about helping people feel comfortable reaching out for assistance and ensuring every client feels respected, valued and genuinely supported throughout their journey with our team.
Being able to help clients work toward a positive outcome during difficult periods in their lives is something I find incredibly rewarding.
Claims Manager
Meet Georgia Rhodes
I understand that dealing with a TPD claim or injury claim can feel overwhelming, especially when you are already trying to manage your health, finances and day-to-day life. My goal is to help make the process feel clearer, more manageable and less stressful for the people I work with.
I assist clients through various stages of TPD matters, ensuring they feel supported, informed and confident about what comes next. I believe communication is incredibly important and I take pride in keeping clients updated and helping them understand the process in plain English.
I enjoy being part of a team that helps people during difficult periods in their lives and working towards outcomes that can genuinely make a difference to someone’s future. Seeing clients move from uncertainty to relief and stability is one of the most rewarding parts of my role.
For me, it is about creating a supportive experience where clients know they have someone in their corner throughout the process.
Legal Assistant
Meet Migla Lewis
I understand that when people contact our team, they are often going through one of the most challenging periods of their lives. Whether they are dealing with injury, illness or financial uncertainty, I believe having the right support around you can make a real difference.
I assist clients throughout various stages of their matter and enjoy helping ensure the process feels organised, supportive and less overwhelming. I take pride in being approachable, reliable and making sure clients feel comfortable reaching out whenever they need assistance or clarification.
I enjoy working in an environment where helping people is the priority and where clients are treated with care and understanding rather than feeling like just another number.
For me, the most rewarding part of my role is knowing that the work we do can help provide clients with reassurance and support during difficult times.
Practice Manager
Meet Diana Andersson
I have spent many years working within the legal industry across operations, technology, marketing and practice management, with a strong focus on building systems and processes that improve both the client experience and the way law firms operate behind the scenes.
As Practice Manager, I oversee the day-to-day operations of the firm and work closely with our team to ensure matters move efficiently and clients receive a high level of communication and support throughout their journey with us.
I am passionate about creating a law firm experience that feels approachable, modern and client-focused. I understand that people contacting our firm are often going through difficult and stressful periods in their lives, so I believe it is important that clients feel supported not only legally, but also through the overall experience they have with our team.
I particularly enjoy finding ways to improve systems, communication and technology to help make the claims process smoother and less overwhelming for clients and staff alike.
For me, success is about building a team and environment where people feel genuinely supported, informed and cared for from the very first interaction.
