I have just successfully won my TPD claim!
I would definitely encourage you to seek the assistance of a lawyer, on a 'no win, no fee' basis to assist you.
It's extremely important that your treating doctors (ie. Psychiatrist, GP, Psychologists etc) are supportive of your application as they'll be required to complete a medical report to support your TPD claim. So I would encourage you to have a chat to them beforehand.
My claim took 18mths, so it's a long process & hopefully you're in a position mentally and financially to endure the time it takes to process a TPD claim.
As you may read elsewhere on other websites or forums, the insurance companies will try their best to reject your TPD application by sending to their so called 'Independent Medical Examiners (IME)' or find some inconsistencies in your medical history from your doctors reports etc. But don't let this scare you! If your claim is rejected, the insurance company are required to outline their reasons for declining your application & you'll be able to appeal their decision.
In my particular case, my insurance company didn't send me for an IME or reject my claim. They based their decision to approve my TPD claim purely on the extensive medical evidence that was provided, which included 3 Workcover IME reports, 3 Medical reports from my Psychiatrist & 1 report from the Medical Panel. I sincerely believe that my psychiatrist's very detailed & supportive medical report, had the biggest impact in me winning my claim.
My age (36yo) & my payout amount, were my biggest hurdles to overcome. My lawyers kept telling me that my insurance company would try to use my relatively young age to reject my claim. They were of the belief that the insurance company would try their best to say that I could retrain or that there was no way I could be 'indefinitely' incapacitated with MDD bc I'm so young. Fortunately, my lawyers were able to justify in their submission letter why I wouldn't be unable to retain & return to work.
It took me 15mths to finally have the courage to lodge a TPD claim & my only regret is that I didn't do it sooner. So I really hope that you don't make the same mistake that I made.
If I can be of any further assistance, if you have any other specific questions about the process, please feel free to ask.
I hope this reply has been of some help to you & I wish you all the best.