Total & Permanent Disability

No Win No Fee

You don’t have to face this alone

We understand that facing Total and Permanent Disability is an overwhelming and deeply personal journey, one that can reshape your identity, independence, and security. At Brandon & Gullo Lawyers, we’re committed to guiding you through this most difficult time with unwavering empathy and expertise.

If injury or illness has left you unable to work, you don’t have to navigate the complexities of your claim alone.

We’re here to support you, helping you access the TPD benefits you need to rebuild, reclaim, and move forward. From navigating fine-print policy hurdles to standing firm when insurers push back, we’re fighting with you every step of the way. Our goal is simple: to help you regain control and provide the financial support you and your loved ones deserve.

Nurse checking a male patient’s pulse as he lies in bed wearing a neck brace, while holding paperwork

What is TPD?

Total and Permanent Disability

Suffering a Total Permanent Disability (TPD) is a significant life event that can have a profound impact on you and your family. The definition of what constitutes TPD varies from insurance policy to policy, however it is commonly accepted that it occurs when you are unable to perform the essential duties of any job suited to your qualifications, training, or experience. 

Lawyer’s hands holding a pen with a gavel to the left, speaking to someone, with paperwork spread out on the desk

How to Claim

Navigating a claim can feel daunting, but the process is straightforward with the right guidance. From your first consultation to final resolution, Brandon & Gullo will handle the legal details, keep you informed at every step, and work to secure the best possible outcome for you.

TPD FAQ’s

  • TPD insurance can provide you with a lump sum payment or income stream to help you meet your financial needs if you are unable to work due to a disability. This can help you cover your living expenses, medical bills, and other costs. TPD insurance is typically included in group life insurance policies offered by employers through Superannuation.

  • TPD insurance offers financial protection in the face of debilitating injuries or illnesses that render you unable to work for the foreseeable future. While each insurance policy may have specific requirements, some common examples of conditions that can lead to successful TPD claims include:

    • Cancer Diagnosis

    • Stroke

    • Loss of Limb

    • Infectious Diseases

    • PTSD

    • Anxiety and Depression

    • Injuries suffered in the

    • Workplace

    • Injuries suffered in a Motor Vehicle Accident

  • If you are considering making a TPD claim, it is important to seek legal advice from an experienced personal injury lawyer. No two TPD claims are the same, and each insurance or superannuation policy will have its own unique requirements. As TPD claims can be complex and payouts are frequently denied by insurers, we can help you navigate your claim journey and deal with the insurance company so you don’t have to, giving you peace of mind when you need it most.

  • The first step is to contact us for a free consultation. Bring in a copy of your policy and we will assess your eligibility for TPD benefits and discuss your options. We can also help you gather the necessary documentation to support your claim, and carefully complete your application for TPD. It is imperative the application is completed correctly as failure to do so may result in a claim being rejected.

    The completed claim form together with supporting documentation is then submitted to your insurance company for approval and payment. 

    In the event the insurance company denies your claim, we can commence litigation against them to enforce the policy and payment.  

    We are able to provide our legal services on a ‘no-win, no-fee’ basis.

Ashley Gullo engaging with clients around a large table, speaking attentively and creating a professional, approachable atmosphere

Why choose us?

Our lawyers are experts when it comes to personal injury compensation claims – we’ve literally helped thousands of Queenslanders get back on their feet. We pride ourselves on getting excellent results for our clients while providing a personal and honest approach and this is evidenced by our client testimonials and the feedback we continually receive.


We understand that navigating the legal system can be overwhelming, which is why we strive to make the process as stress-free as possible for our clients. Our clear and regular communication means that you’ll never be left in the dark.

Free Claim Evaluation 

As part of our Free Claim Check, we offer the following:

Obligation-free consultation to assess your case confidentially with no upfront charge;

Claim assessment process where we will explain all of the options available to you;

We can come to you if you are unable to make it into our office;

Genuine No-Win No-Fee arrangement (we do not sign you up to loan agreements)

We believe everyone deserves access to justice. That’s why we offer our personal injury services on a No Win, No Fee basis covering all legal fees and outlays upfront, with nothing to pay unless your claim succeeds. Fill in our enquiry form or call us today to speak with our expert team today.