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PERSONAL INJURY
At Gouveia Legal, we’re committed to helping Australians secure the policy benefits they’re entitled to when dealing with insurance companies. We know that being out of work or facing financial stress can make it hard to cover legal costs, which is why we offer a No Win, No Fee promise. You won’t pay any legal fees unless we successfully resolve your case. This support is available to clients nationwide, no matter where in Australia you live.
TPD insurance provides a lump sum payment if you become totally and permanently disabled and unable to work. Most Australians have TPD coverage through their superannuation fund—often without realising it. You may also have standalone TPD policies through private insurance.
Successful TPD claims can provide substantial financial relief, with benefits ranging from $100,000 to over $1million depending on your policy and circumstances.
You must be unable to work in any occupation for which you're reasonably suited by education, training, or experience.
You must be unable to work in your specific occupation—a more favorable definition that's easier to satisfy.
You may be eligible for a TPD claim if:
Even if you’re receiving workers compensation or other benefits, you may still be entitled to TPD payments.
This process typically takes 3-12 months, though complex cases may take longer.
The TPD claims process involves several stages:
Locating all your super funds and insurance policies that may contain TPD coverage.
Determining whether you meet the specific criteria outlined in your policies.
Gathering comprehensive medical reports that document your condition and prognosis.
Completing detailed claim forms and preparing supporting documentation.
The insurer reviews your claim, which may involve additional medical examinations.
The insurer either approves your claim, requests more information, or issues a denial.
If approved, you receive your benefit; if denied, we pursue dispute resolution options.
This process typically takes 3-12 months, though complex cases may take longer. The TPD claims process involves several stages:
Locating all your super funds and insurance policies that may contain TPD coverage.
This process typically takes 3-12 months, though complex cases may take longer.
Our comprehensive TPD claims service includes:
We identify all your super accounts and associated insurance policies, ensuring no potential benefits are overlooked.
We carefully review policy documents to understand specific definitions, exclusions, and requirements that apply to your case.
We work with your treating doctors to ensure medical reports address the specific criteria in your policy.
We prepare all necessary paperwork, ensuring every question is answered correctly and comprehensively.
We handle all communications with insurers, addressing their queries and challenging unfair decisions.
If your claim is denied, we pursue internal reviews, complaints to the Australian Financial Complaints Authority (AFCA), and legal proceedings when necessary.
As a family-owned firm led by Melissa and Andrew Gouveia, we combine personal
attention with expertise gained at Australia’s leading law firms. Our approach to TPD
claims is characterised by:
TESTIMONIALS
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Andrew is a Sydney-based solicitor with a strong background in commercial litigation and transactional legal work. He has acted for a broad range of clients across insolvency, estate disputes, and property-related matters. His experience also extends to drafting and negotiating commercial agreements, advising on business and property transactions, and preparing tailored estate planning documents.
Known for delivering clear, commercially minded advice, Andrew established Gouveia Legal to provide clients with legal services that are practical, accessible, and results driven. Whether navigating a dispute or managing a transaction, he brings a strategic approach grounded in understanding each client’s goals and delivering value at every stage.
Clients come to Andrew for straightforward guidance and a solicitor who takes the time to understand their situation and can get results.
In his spare time, Andrew likes to train Jiu-Jitsu, take his dog Henry for long walks and enjoys watching anything by Guy Ritchie or Martin Scorsese.
Melissa is an experienced lawyer with extensive expertise in personal injury law and a keen interest in immigration.
Holding a Bachelor of Medical Science and a Graduate Law Degree, she combines a strong analytical foundation with a compassionate approach to legal advocacy.
With significant experience working as both a plaintiff lawyer at Australia’s top firms and a legal representative for Australia’s insurers, Melissa brings a well-rounded perspective to every case she handles.
Known for her exceptional negotiation skills, Melissa is dedicated to securing the best outcomes for her clients. Her empathetic nature allows her to connect with individuals, understanding their unique challenges and providing clear, supportive guidance through complex legal processes. Committed to achieving justice, Melissa ensures her clients receive fair and timely resolutions to their claims, whether through skilled negotiation or robust representation.
In her spare time, Melissa enjoys fashion, going out with friends and family.
