Government agencies & regulatorsFree Verified
Australian Financial Complaints Authority (AFCA)
Free, independent complaints service for disputes with super funds and insurers, including TPD and income protection.
Covers: National
What applies to me?
Your plain-English action plan
Step 1 · Your situation
Step 2 · Your state or scheme
Step 3 · Your next steps
What is Total and Permanent Disability (TPD) insurance?Tasmania
In one sentence
Many Australians have TPD cover in their super without knowing it — and it is a separate claim from workers' compensation.
Your next steps
- 1Log in to myGov and check all your super accounts.
- 2Request the insurance policy documents from each fund.
- 3Ask your doctors whether you are likely to return to work.
- 4Contact AFCA (1800 931 678) if a fund refuses your claim.
- 5Contact WorkSafe Tasmania (1300 366 322) for free information about how the TAS scheme applies to you.
- 6If you disagree with a decision — The Tasmanian Civil and Administrative Tribunal (TASCAT) handles workers compensation disputes, starting with conciliation.
- 7Watch the time limits — Claims should be made within 6 months of the injury.
- 8Consider getting independent legal advice before signing anything or accepting a settlement.
How TAS works
- Weekly payments
- Based on normal weekly earnings, stepping down after 26 weeks and 78 weeks, and generally ending after 9 years (longer for 30% WPI or more).
- Medical expenses
- Reasonable medical expenses are covered, and generally continue for 12 months after weekly payments end.
- Permanent impairment
- Lump sum compensation is generally available for permanent impairment of 5% WPI or more (10% for psychiatric injury).
- Free legal help
- Legal Aid Tasmania, unions and community legal centres can help.
Questions you may have
How do I find my super accounts?
Log in to myGov and link the ATO — it lists all your super accounts, including lost super.
Does a WorkCover payout reduce TPD?
Usually not, but it depends on the policy. Some policies have offsets. Check the policy or get advice.
Is a lawyer needed?
Not always, but TPD claims can be complex. Many TPD lawyers offer no-win-no-fee arrangements — ask about all costs in writing.
Support available to you
Government agencies & regulatorsFree Verified
Fair Work Ombudsman
Information about workplace rights, dismissal and pay. Fair Work Commission deals with unfair dismissal and bullying applications.
Covers: National
Financial counsellingFree Verified
National Debt Helpline
Free, confidential, independent financial counselling to help with debts, bills and hardship.
Covers: National
Government agencies & regulatorsFree Verified
Services Australia – Disability, Sickness and Carers
Centrelink line for the Disability Support Pension, sickness-related payments and carers.
Covers: National
Government agencies & regulatorsFree Verified
WorkSafe Tasmania
Tasmanian regulator — information about workers rehabilitation and compensation.
Covers: TAS
General information only. Rules change and depend on your circumstances. Check with your regulator or get independent legal, financial or medical advice about your situation.