TPD Claim for Mental Illness and Depression

Our mental illness TPD claim experts understand that depression and mental health conditions can significantly impact your capacity to work and earn an income. If you suffer from a psychological disorder like PTSD, bipolar disorder, depression or anxiety and can’t work, you may be entitled to make a total permanent disability insurance claim through your superannuation fund.

We are here to help you navigate the often complex legal process of making a successful TPD claim for depression or other mental illnesses. Splatt Lawyers has supported many Australians living with mental health issues to win their TPD benefits on a 100% no-win, no-fee basis.

It’s free to know if you have a valid case and you owe us nothing until we win your psychological permanent disability claim. Call Now – 1800 860 777

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About Mental Health TPD Claims

A TPD claim is a benefit payout to someone who cannot work due to an injury or illness. Hence, when you have a recognised psychiatric condition or mental health disorder (like severe depression), you can make a TPD claim. To successfully claim permanent disability benefits, your impairment must prevent you from doing your regular job or any other occupation for which you are suitably qualified.

In Australia, it is more challenging to make a TPD claim for depression or other mental illnesses than it is for physical injuries. That’s because you can see physical symptoms but not a psychological injury. 

Successful Permanent Disability Claims

Your best chance of winning a TPD benefit is to seek expert legal advice from a professional disability insurance lawyer specialising in TPD claims for mental illness.

Splatt Lawyers is here to help you navigate the complex TPD claim process and have a winning outcome. We consistently win 99% of insurance claims. Get fast support now by calling – 1800 700 125.

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Helpful TPD Claims Lawyers

Our experienced TPD lawyers will guide you through the TPD claims process to a better tomorrow.

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100% No Win No Fee Mental Illness TPD Claims

You will likely face financial hardship if you cannot work because of a mental illness such as PTSD, anxiety, bipolar disorder or severe depression. Because of this, Splatt Lawyers charges nothing to start permanent disability claims and no ongoing or recurring legal fees for the duration of your case.

This agreement includes the expense of medical reports and evaluations required to make a strong case for claiming all your TPD benefits. You only pay our fees when we win your case. Pay our fees when you win and zero if you lose. Thankfully, Splatt Lawyers assumes all financial risk associated with your case.

Contact us now for your free claim assessment. It’s free to understand your legal options, including your opportunity to make multiple claims.

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How Much Is My TPD Mental Illness Claim Worth?

The most frequent enquiry we receive at Splatt Injury Lawyers is, “How much is my TPD claim worth?” Although the question sounds simple, there is no straightforward answer because your circumstances are unique. The value of your claim depends on your TPD insurance coverage level, which could range from several thousand dollars to a six-figure payout. Additionally, you can make multiple claims for the same mental illness if you have TPD insurance with more than one superannuation fund.

A further consideration is the level of legal expertise and skill in negotiating your disability payout. Insurance companies often attempt to minimise TPD benefits. Thankfully, our TPD claim lawyers interact daily with insurers, so we know their strategies to minimise your TPD payout.

Splatt Lawyers has maximised mental illness total and permanent disability benefits for our valued clients for nearly thirty years. Find out now how we can do the same for you.

99% Successful TPD Claim Mental Health

Successful TPD claim mental health icon

In general, insurance companies are more interested in growing shareholder profits than your ability to pay your monthly bills. They will find every opportunity to deny or minimise your TPD payout. Proving you cannot work due to a physical injury is more straightforward than proving it for a mental health condition.

As a result, it can be more challenging to demonstrate that your psychological and psychiatric condition prohibits you from working. However, if you have been receiving regular treatment from your psychiatrist, psychologist, or general practitioner, we have more proof to support your case.

Fortunately, Splatt Lawyers has a track record of success with mental illness TPD claims. We win 99% of our total and permanent disability insurance claims. Give yourself the best opportunity to maximise your payout by contacting our insurance law firm immediately for expert legal advice. Call Now – 1800 700 125.

Which Psychological or Psychiatric Illnesses Qualify as TPD?

To be eligible for a mental illness TPD claim, you must have a psychological or psychiatric condition that hinders your capacity to work. Common conditions include:

TPD Claims for Depression

Depression TPD claims icon

Going to work and carrying out your job duties can be impossible in cases of severe depression and other serious depressive conditions. To win a TPD claim for depression, a diagnosis must show how your depression has reduced or removed your work capacity.

Post traumatic stress disorder icon

Witnessing a single traumatic event or sequence of events can cause someone to suffer from post-traumatic stress disorder (PTSD).

Excessive mood swings are a characteristic of bipolar disorder. Other indicators are an exceptionally high mood, followed by periods of depression.


A severe brain condition called schizophrenia leads to abnormal perceptions of reality. Sufferers often have no idea what experiences, sounds, or sights are genuine or what is just in their minds.

Severe anxiety icon

Severe anxiety sufferers frequently find it difficult to accomplish everyday chores like going shopping or to work. Heart palpitations, persistent sweating, and breathing difficulties can all be symptoms of panic attacks.

A psychological or psychiatric condition can trigger physical symptoms that disrupt your ability to work. Headaches, dizziness, tightness in the chest, and more severe conditions like high blood pressure, heart attacks, and strokes are examples of these symptoms.

Can I Make a Mental Illness TPD Claim?

It may be challenging to think clearly if you have a mental health condition. So, it is not astounding that some people don’t know they may qualify for a TPD payment. Even more, people are unaware that they could make multiple claims if they contributed to multiple superannuation accounts.

How you acquired your psychiatric disorder is of no consequence when it comes to having a successful TPD claim for mental illness. Because your psychological or psychiatric condition does not need to be related to your work (as it does in a workers’ compensation claim),

When claiming a TPD benefit, your degree of working capacity because of your psychological or psychiatric condition is crucial for success. If a disability prevents you from working to the point where you are considered permanently disabled, this will likely qualify as “permanent cessation” and entitle you to make an insurance claim.

Other disability claims, such as WorkCover and Disability Support Pensions, require an appraisal of your whole person impairment. To get super TPD benefits, your mental condition’s impact on your ability to work is the primary consideration.

A man with a mental illness who is eligible to make a tpd claim

What is the TPD Claim Process for Psychological Injury?

To achieve a successful claim for mental illness, you must:

  1. Contact your retirement fund (or funds) to obtain the necessary paperwork.
  2. They will provide you with a form to complete and return.
  3. Your designated case manager will assess your application and determine your eligibility.
  4. Your insurer reviews your case to determine if they need additional information to decide.
  5. When successful, your fund will establish payment options. If your application is delayed, you will likely be required to submit further evidence. You may appeal the decision if your case is denied.

This process can be pretty tricky, especially with mental illness TPD claims. Insurers will attempt to refuse or reduce your benefits. So, appoint a legal team with a strong track record for success in these cases. 

A psychiatrist discussing permanent disability claims for mental health conditions with a client

Expert Advice from TPD Mental Health Lawyers

You will need considerable evidence to support your total and permanent disability to have a successful TPD mental illness claim. A qualified TPD lawyer helps you understand the terms of your TPD cover and guides you through the legal process to a positive outcome. If you have been:

  1. exposed to a traumatic event
  2. are experiencing intense negative emotions
  3. or have been diagnosed with a recognised psychiatric disorder

you should seek professional legal advice to be certain of accessing all your entitlements. Thankfully, Splatt Lawyers is a 100% no win, no win law firm with capped or fixed prices for mental health TPD claims. Contact us now for your free case review.  – Call 1800 700 125

tpd claim mental health icon

Mental Health Disorder TPD Claim FAQs

TPD insurance covers any injury, including mental health issues. Psychological injuries can sometimes result from physical injuries, and insurance companies consider this when they write policies. If you have an active TPD insurance policy, you can likely claim TPD for mental health conditions.

If you believe you have an eligible TPD mental health injury, you meet with a lawyer to begin your claim. They will investigate your insurance policies to understand your terms, conditions and level of coverage. Your level of disability will be assessed, and you will need to meet the waiting period and work history requirements. Making a winning claim requires great attention to detail and a solid understanding of your insurer’s legal processes. A qualified and experienced TPD insurance lawyer deals with these issues daily and knows what it takes to deliver your desired result.

Your mental illness must disrupt your emotional, cognitive and social functions to the degree that it stops you from doing your usual daily activities, like earning an income. Mental disorders considered when making a TPD claim for mental health include anxiety, severe depression, post-traumatic stress disorder (PTSD), obsessive-compulsive disorder (OCD) and others.

It’s often complicated to settle TPD claims for mental illness. That’s because many factors determine if someone is psychologically injured and how it impacts their daily life and work capacity. Typically, you must meet specific criteria to make a TPD claim for mental illness.

  1. First, you must be suffering from or diagnosed with a mental health condition
  2. Demonstrate that your mental illness causes significant distress or impairment. For example, if you suffer from severe depression, you might struggle to function at work, which other issues like stress or lack of sleep could cause.
  3. In addition, you must show that your mental illness prevents you from working again.

Once you satisfy these requirements, you can lodge a TPD claim. An experienced lawyer will support you through the TPD claim process and seek to escalate your case.

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To make a successful total and permanent disability claim, you should have received treatment from a psychologist, psychiatrist or GP who specialises in mental health cases. Doing this provides further evidence to support your mental illness TPD claim.

In Australia, about 80% of TPD claims are successful, although some of these are approved after the dispute process. However, a TPD claim for mental illness could have a lower success rate due to the challenge of proving a permanent disability for a psychiatric disorder.

Our experienced TPD lawyers will advise you on your chances of a successful claim, for free.

An approved TPD claim for a mental illness typically pays a lump sum of between $50k and $500k. However, people with more than one superannuation account can often make multiple claims, giving them a much larger payout.

Our Team are Ready to Help. Request Your Free Claim Assessment Now!

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