TPD Claims in Victoria
No Win, No Fee
You may have TPD insurance through your super, including cover you don't even know exists.
Victorians Are Owed Millions
Millions in Unclaimed TPD & Income Protection Payouts
Most people don't know their super holds this entitlement. Find out where you stand — free, in under 30 seconds.
How a TPD Claim Works
Every claim moves through three stages — Sow, Nurture, Thrive — the same story behind our name.
SOW
Understand & Prepare
NURTURE
Manage & Communicate
THRIVE
Decision & Settlement
Free Initial Assessment
A no-cost, no-obligation conversation about your circumstances, work history, and super and insurance situation.
Locate All Your Cover
Every super fund, TPD policy, income protection policy and insurance cover you hold or have held — including ones you've forgotten.
Gather Evidence
We work with you and your medical providers to compile the documentation your insurer and fund require.
Lodgement of Your Claim(s)
We formally lodge your claim(s) with each insurer and super fund trustee, meeting every requirement from day one.
Managing the Assessment
We handle all correspondence, follow-up, and negotiation with funds and insurers, keeping you updated throughout.
Approval, Payment & Withdrawal
Support through payment and, where applicable, early release of your super on permanent incapacity grounds.
A Real Story From Ballarat
Outcome:TPD Approved
James had worked in construction for years when a serious workplace accident left him with a major back injury. The injury made it impossible for him to return to work, leaving James facing an uncertain future and significant financial pressure.
What James didn't realise was that he had TPD insurance through his superannuation.
After a friend referred him to Thrive Claims, our team helped James understand his cover and guided him through the claims process from start to finish. We handled the process efficiently, keeping James informed along the way and helping ensure the required information was provided.
James's TPD claim was successfully approved and his payout was paid to him.
For James, discovering that he had TPD cover provided valuable financial support at a time when he needed it most.
TPD & Income Protection Support for Victorians
If you're a Victorian who has stopped working, or is struggling to remain at work due to illness or injury, you may be entitled to a Total and Permanent Disability (TPD) lump-sum benefit and, in some circumstances, Income Protection payments through your superannuation. This may apply regardless of where you live or work in Victoria, and whether your illness or injury occurred at work or elsewhere.
Thrive Claims supports clients throughout Victoria, from Melbourne CBD and the surrounding suburbs to regional centres including Geelong, Ballarat, Bendigo and the Latrobe Valley. Our entire process can be handled remotely by phone, email and video, so there's no need to travel to an office or attend appointments in person.
If you receive the Disability Support Pension (DSP) or participate in the NDIS, you may still have TPD insurance through your superannuation. Depending on your circumstances and the terms of your cover, you may be able to pursue a TPD claim.
Your Previous Super Funds May Hold More Than You Realise
Over the course of your working life, you may have changed employers, switched superannuation funds or accumulated more than one super account. Insurance cover can sometimes be attached to these accounts, meaning your current super fund may not tell the whole story.
This is particularly important if you've worked for multiple employers or haven't reviewed your superannuation and insurance arrangements for some time. You may have held TPD or other insurance cover through a previous fund without ever needing to use it.
At Thrive Claims, we can investigate your superannuation history and help identify potentially relevant insurance cover. Our team can then explain what may be available and what the next steps could look like based on your circumstances.
You don't need to work through the process on your own. We can handle the investigation and claims process for you, giving you a clearer understanding of what cover may be available without the stress of navigating it yourself.
For Victorians in Melbourne, Geelong, Ballarat and Bendigo, losing the ability to keep working through illness or injury can make it difficult to know where to begin with insurance. Exploring Total & Permanent Disability (TPD) claims means looking at the cover you held and the work you can realistically sustain. Through our superannuation claims service, Thrive Claims can help investigate potential entitlements, including income protection claims where your policy may provide support during a period of incapacity. Changes of employer or older accounts can also make claims through multiple super funds worth checking. Our claims services bring these enquiries together so relevant policies are considered rather than overlooked.
A Victorian TPD enquiry is not limited to something that happened at work. A gradual illness, serious diagnosis or accident away from the workplace may affect your ability to continue in your occupation. The assessment could involve physical injury or illness or mental health injury and illness, depending on your circumstances and medical evidence. Victoria's workers compensation system, administered by WorkSafe, has a different purpose and assessment process from insurance held through super; the terms of your TPD policy remain important.
If you receive the Disability Support Pension (DSP) or have NDIS funding, that support may be relevant to understanding your circumstances, but neither automatically establishes TPD eligibility. Where a motor vehicle accident has affected your capacity to work, super insurance and any separate accident compensation pathways may require consideration on their own terms. From Shepparton and the Goulburn Valley to Gippsland, the Latrobe Valley and the Surf Coast, Thrive Claims can help you explore which options may apply without needing to travel to Melbourne.
Explore Our Claim Services
Whatever your circumstances and wherever you reside, Thrive Claims's comprehensive claims management services have you covered.
TPD Claims in Melbourne
Thrive Claims assists clients throughout Melbourne and metropolitan Victoria, including the CBD and surrounding suburbs. Whether you're based in the inner city, the northern suburbs, western suburbs, eastern suburbs or south-eastern suburbs, you can access our service without travelling to a physical office. For many people dealing with a serious illness or injury, attending repeated appointments across Melbourne can be difficult. Our remote process means much of the claims administration can be completed from home.
TPD Claims Support Across Victoria
Geelong & Surf Coast
We support clients in Geelong, the Surf Coast and surrounding communities who are dealing with illness or injury that has affected their ability to work. Our remote process means you never need to travel into Melbourne to access support.
Ballarat & Central Victoria
People in Ballarat and surrounding Central Victorian communities can access our claims service remotely without needing to travel to Melbourne. We handle the investigation and paperwork so you don't have to.
Bendigo & Loddon Mallee
Thrive Claims assists clients in Bendigo and across the surrounding regional communities. Whether your illness or injury occurred at work or elsewhere, distance from Melbourne is never a barrier.
Shepparton & Goulburn Valley
If illness or injury has affected your capacity to work in Shepparton or the wider Goulburn Valley, you can access the same remote claims process as clients in metropolitan Melbourne.
Gippsland & Latrobe Valley
We assist clients throughout Gippsland, including the Latrobe Valley and surrounding communities. Phone, email and video mean the entire process can be managed from home.
Mornington Peninsula
Clients throughout the Mornington Peninsula can deal with Thrive Claims remotely, without needing to travel into Melbourne for appointments or paperwork.
Rural & Remote Victoria
Our service extends well beyond the major regional centres. If you live in a smaller Victorian community, you can still access the same level of support through phone, email and video.
Worksafe Victoria and TPD Claims Are Different
If your injury happened at work, you may already be receiving payments through Worksafe Victoria. These payments and a TPD claim are generally separate matters.
Workers compensation relates to your workplace injury and may include benefits such as weekly payments and medical expenses. A TPD claim, on the other hand, relates to insurance cover held through your superannuation and may provide a separate lump-sum benefit if you meet the relevant policy requirements.
Depending on your circumstances and the terms of your cover, you may be able to pursue a TPD claim while also receiving workers compensation benefits. Living in regional Victoria does not prevent you from making a TPD claim, and you don't need to travel to the capital to access support.
If you're unsure whether your existing workers compensation claim and superannuation insurance could both apply to your circumstances, our Claims Specialists can discuss your situation with you confidentially.
Why Choose Thrive Claims?
Frequently Asked Questions About TPD Claims in Victoria
Straight answers about WorkSafe, regional claims, old super funds and what a TPD claim costs.
Reviewed by The Thrive Claims Team — Last updated September 2026Can I claim TPD if my injury happened at work?
Yes, potentially. A workplace injury does not automatically prevent you from making a TPD claim. WorkSafe and TPD are two totally different schemes.
Can I claim TPD while receiving WorkSafe payments?
Yes. Receiving WorkSafe payments does not automatically prevent you from pursuing a TPD claim.
Can I claim TPD if I live outside Melbourne?
Yes. Thrive Claims assists clients throughout Victoria, including regional and rural areas. Our claims process can be managed remotely by phone, email and video, so you don't need to travel to Melbourne.
Can I claim TPD if I receive the Disability Support Pension?
Yes, potentially. Receiving the Disability Support Pension (DSP) does not automatically prevent you from being eligible for a TPD claim.
Can I claim TPD if I'm an NDIS participant?
Yes, potentially. NDIS participation does not automatically determine whether you can make a TPD claim.
Can I have TPD insurance through an old super fund?
Yes, potentially. If you've changed employers or superannuation funds over the years, you may have held insurance through a previous fund. We can investigate your superannuation history and locate every fund you may still hold.
Can I have more than one TPD policy?
Potentially. Some people have held multiple superannuation accounts and may have had insurance attached to more than one fund. Whether multiple policies can be claimed depends on the individual policies and your circumstances.
Can I claim TPD if I can no longer work in my usual occupation?
Potentially. TPD policies have different definitions and eligibility requirements, this matters. This is where Thrive Claims' industry knowledge and experience can make a big difference in a claim's decision.
Do I need to travel to Melbourne to make a TPD claim?
No. Thrive Claims can manage the process remotely by phone, email and video. We assist clients throughout Melbourne, Geelong, Ballarat, Bendigo, the Latrobe Valley and other regional areas of Victoria.
How much does a TPD claim cost?
Thrive Claims operates on a No Win, No Fee basis, subject to the terms of your agreement. There is no upfront professional fee to get started, and we'll explain the costs and process before you proceed.
TPD Claims Resources
TPD Claims & Medical Conditions
TPD claims can arise from many different illnesses and injuries. Explore other medical conditions considered for TPD below.
TPD claims support, state by state.
Still Have a Question?
Confidential, obligation-free assessment. Free assessment for Victorians, statewide.