TPD Claims in Western Australia
No Win, No Fee
You may have TPD insurance through your super, including cover you don't even know exists.
West Australians 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 Kalgoorlie
Outcome:2 Policies Paid
For many years, Bill worked as a truck driver in the mining industry around Kalgoorlie, a job he genuinely loved and had built much of his life around.
Unfortunately, a series of difficult life circumstances took a significant toll on Bill's mental health. He developed major depression and acute PTSD, eventually reaching a point where he could no longer continue working and was forced to leave a career he had enjoyed for many years.
When Bill came to Thrive Claims, he wasn't aware that he may have had insurance attached to previous superannuation funds. Our team investigated his superannuation history and uncovered two TPD policies that Bill had no idea existed.
We then worked alongside Bill to navigate the claims process, helping coordinate the required information and manage the claims through to their conclusion. Both policies were successfully paid to Bill, providing important financial support during an incredibly difficult period of his life.
Sometimes, the insurance you need most is the insurance you didn't even know you had.
TPD & Income Protection Support for West Australians
If you're a West Australian 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 Western Australia, and whether your illness or injury occurred at work or elsewhere.
Thrive Claims helps West Australians investigate potentially relevant insurance cover, understand policy requirements and navigate the claims process from beginning to end, supporting clients from Perth and the Peel region to Bunbury, Geraldton, Kalgoorlie, Albany, the Pilbara, the Kimberley and regional and remote Western Australia.
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.
Working life in Western Australia can involve several employers and super accounts, leaving insurance difficult to trace when health problems force a change. For people in Perth, Fremantle, Joondalup and Rockingham, checking potential TPD claims can start with the cover held before illness or injury affected work. Thrive Claims can help investigate claims through superannuation insurance, consider whether income protection payments may be available under your policy, and look into cover across multiple super funds where older accounts remain relevant. Our full claims service range connects these possibilities so that a change of job does not leave a policy unexplored.
Whether you worked in metropolitan Perth or a regional community, TPD insurance is not restricted to workplace injuries. Reduced stamina, persistent pain, a progressive illness or psychological difficulties may make ordinary duties unsustainable. An assessment may concern physical injury and illness TPD claims and claims involving mental health injury or illness, with each person's evidence considered against their policy. Western Australia's workers compensation system is overseen by WorkCover WA, but that system should not be confused with the separate requirements of super insurance.
If you are receiving Disability Support Pension assistance or using supports through the NDIS, the circumstances behind that support may be worth discussing without treating it as automatic insurance eligibility. A TPD enquiry following a motor vehicle accident can likewise sit alongside a separate accident compensation question. Thrive Claims' remote process allows people in Kalgoorlie and other regional or remote parts of WA to explore their insurance position without travelling to a Perth office.
Explore Our Claim Services
Whatever your circumstances and wherever you reside, Thrive Claims's comprehensive claims management services have you covered.
TPD Claims in Perth
Thrive Claims supports clients throughout Perth and metropolitan Western Australia, including Perth CBD, Fremantle, Joondalup, Rockingham and surrounding communities. You don't need to travel to a city office to access our service — our claims process can be managed remotely by phone, email and video.
WorkCover WA and TPD Claims Are Different
If your injury happened at work, you may already be receiving payments through WorkCover WA. 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 Western Australia 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 Western Australia
Reviewed by The Thrive Claims Team — Last updated September 2026Can I claim TPD if I live outside Perth?
Yes, potentially. Thrive Claims supports clients throughout Western Australia remotely.
Can mining workers claim TPD?
Potentially. Mining employment does not itself determine TPD eligibility. Your circumstances and the applicable insurance policy are what matter.
Can I claim TPD after a workplace injury?
Potentially. Workers compensation and TPD insurance are separate forms of cover.
Can I claim TPD while receiving workers compensation?
Potentially, depending on the relevant policies and your circumstances.
What if I worked for several employers?
Previous superannuation funds may be relevant, particularly where insurance was attached to those accounts.
Do I need to travel to Perth?
No. Our process can be handled remotely.
How much does a TPD claim cost?
Thrive Claims operates on a No Win, No Fee basis, subject to your agreement.
How long does a TPD claim take?
The timeframe depends on the insurer, super fund, medical evidence and complexity of the claim.
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 West Australians, statewide.