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Total and Permanent Disability Insurance: Know Your Rights

Understand your legal rights when it comes to disability insurance.

Many Australians are unaware of their entitlements to Total and Permanent Disability (‘TPD’) Insurance in circumstances where they can no longer work as a result of illness or injury. Most working Australians will have an entitlement to TPD through their superannuation fund, which allows them to access a lump sum payment.

Many people falsely believe they will only be eligible for compensation if they fall ill or are injured in circumstances where another party is at fault or caused their injuries. With a TPD claim you do not need to prove fault by any other party, and you are generally still entitled to a payment where you caused your own injuries.

It is also important to remember that TPD includes psychological and psychiatric illnesses that restrict someone’s ability to work.

Every TPD policy is different and if you believe you may be eligible for a claim, or have been unable to work for more than three months due to illness or injury, you should contact our Nambour solicitors. Sunshine Coast’s Butler McDermott Lawyers are well-versed in TPD legal matters and can provide specialist legal advice. Our lawyers generally offer a free consult to discuss your eligibility for TPD as the process can be complex and require specialist knowledge.

If you or someone you know has been unable to work due to illness or injury for at least three months, get in touch with our Disability Lawyers today. Our Sunshine Coast law firm team can run you through your options and if you are eligible, can help you apply for compensation.

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Simone Faunt


Peter Boyce


Peter has been practising as a Nambour Solicitor since 1977 and joined Butler McDermott Lawyers the same year.

With over 40 years practicing as a Sunshine Coast lawyer, Peter has extensive knowledge of various facets of law.

He has practised in all areas of litigation and has special interests in:

  • Criminal law
  • Civil and Commercial litigation
  • Retirement Village matters
  • Sports law
  • Resumption of land and compensation claims


Peter has specialised knowledge of and experience with resumption matters as a result of the Traveston Dam project, road corridors, Main Roads and water pipeline. He is renowned for his professional approach and is an experienced and determined advocate.

Brent King


Brent works as a litigation lawyer, providing litigation legal advice in relation to both civil and criminal law matters, including:
  • Defamation Claims
  • Contract and Debt Disputes
  • Building and Construction Disputes
  • Planning Matters
  • Criminal Law and Traffic Legal Matters
Having grown up on the Sunshine Coast and joining Butler McDermott after the completion of his studies, Brent appreciates the needs of our clients, and brings a particularly commercial approach to litigation. Brent is a member of the Queensland Law Society and the Sunshine Coast Law Association, and has litigated a wide variety of matters in the Magistrates, District and Supreme Courts.

Al Upton


After arriving at Butler McDermott Lawyers in 2016, Al quickly progressed to running our Wills and Estates section and has successfully litigated disputes in the Supreme and District Courts of Queensland in the early stages of his career.

In the years that followed Al has now moved to assist our clients with commercial and property matters having achieved positive outcomes in that area as well as general litigation. Al’s experience has him uniquely placed to provide quality advice in the areas of property, commercial, wills and estates and general litigation.

Al is involved in giving back to the community, sitting on the board for the Daniel Morcombe Foundation and Sundale Community Foundation. He otherwise became a director of Butler McDermott Lawyers in November 2021.