Total and Permanent Disability (TPD)
Independent TPD Medical Assessments
Australian Specialist Hub provides independent TPD medical assessments for legal and insurance professionals. Our qualified specialists deliver evidence-based, court-ready reports that address policy definitions and withstand scrutiny in dispute resolution.
What we assess
We work with legal and insurance teams to assess the extent of total and permanent disability, including:
- Functional capacity evaluation
- Consideration of comorbid injuries
- Cognitive or psychological impairment
- Long-term impact of injury or illness
- Ability to return to work in any capacity
- Prognosis and treatment recommendations
- Review of treatment history and rehabilitation
Independent. Impartial. Court-Ready TPD Experts
Every TPD claim is unique. To ensure accurate and defensible assessments, we match each matter with a specialist whose expertise aligns with the specific medical issues involved. These may include:
- Physical & Medical (Orthopaedics, Neurology, Rheumatology, Pain Management, General & Internal Medicine)
- Mental & Cognitive Health (Psychiatry & Psychology, Neuropsychology, Occupational Medicine)
- Surgical & Procedural (Surgeons, Anaesthetists)
- Allied Health & Functional Capacity (Physiotherapy, Occupational Therapy) and more.
All medical specialists are experienced in medico-legal reporting and adhere to Expert Witness Code of Conduct and relevant jurisdictional guidelines.
From referral to report
We know the pressures of case management and claim timeframes.
Our role is to make medical input the least complicated part of your workflow.
1. Expert Match
2. LOI & Brief
3. Assessment
4. Execute
Frequently asked questions — TPD assessments
A TPD (Total and Permanent Disability) assessment determines whether a claimant meets the definition of total and permanent disablement under a specific insurance policy or superannuation fund. It typically involves a detailed review of medical and functional capacity to work in any occupation for which the person is reasonably suited by education, training, or experience.
Reports are prepared by independent specialists adhering to the Expert Witness Code of Conduct and are designed to withstand scrutiny in insurance, superannuation, and legal proceedings.
We engage a range of independent medical experts including occupational physicians, psychiatrists, orthopaedic surgeons, and neurologists—depending on the nature of the disability. Our panel ensures you’re matched with a practitioner experienced in assessing both physical and psychological impairments relevant to TPD claims.
To proceed, we require the claimant’s medical history, referral questions, relevant insurer or fund definitions, any vocational assessments, and supporting documentation. This ensures our reports are accurate, tailored, and compliant with legal and insurer requirements.
Yes. Our reports are designed specifically for use in insurance and superannuation contexts. They are detailed, legally defensible, and clearly address the criteria outlined in policy definitions—helping clients make informed decisions with confidence.
We do. Many TPD claims involve a combination of physical and mental health components. Our multidisciplinary panel ensures all aspects of the claimant’s condition are considered holistically, with access to both physical and mental health specialists as needed.
Turnaround times vary depending on specialist availability and case complexity. We provide indicative timeframes at the time of referral and keep you updated throughout the process.
Trusted by industry professionals Australia-wide
Need an independent medical assessment?
Our national network of qualified specialists is ready to assist with your TPD matter. Evidence-based reports, Expert Witness Code compliant, delivered on time.