---
title: "Count an NSW court time limit for a TPD policy claim"
url: "https://ailawframework.com/practice/superannuation/assess-tpd-claim-timelines-faster-with-ai/new-south-wales"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A27-B6-3-NSW"
practice_area: "Superannuation"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["NSW"]
last_reviewed: "2026-10-25"
---

# Count an NSW court time limit for a TPD policy claim

> From the policy, the denial and the dates the lawyer marks, set out a six-year period under section 14 only if the lawyer says the claim is founded on contract and is not founded on a deed.…

Canonical page: https://ailawframework.com/practice/superannuation/assess-tpd-claim-timelines-faster-with-ai/new-south-wales  
Last reviewed: 2026-10-25

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Superannuation](https://ailawframework.com/practice/superannuation.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | From the policy, the denial and the dates the lawyer marks, set out a six-year period under section 14 only if the lawyer says the claim is founded on contract and is not founded on a deed. Do not choose the date the cause of action accrued. |
| What the lawyer must review | Decide whether the claim is in contract and not on a deed, and when it first accrued. Check the section 14(2) exclusions before using the six-year period. Do not use the personal-injury discoverability period for a claim on the policy. Keep medical details in the firm's system. Apply ASCR rule 9, APP 11, and the Privacy Act notifiable-breach test. |
| Written for | New South Wales |
| Applies to | [Assess TPD claim timelines faster with AI](https://ailawframework.com/practice/superannuation/assess-tpd-claim-timelines-faster-with-ai.md) |

## Checking plan

**Verify against sources**

The lawyer chooses the limitation provision and the accrual date for a total and permanent disablement policy claim in New South Wales.

- What the AI does: From the policy, the denial and the dates the lawyer marks, set out a six-year period under section 14 only if the lawyer says the claim is founded on contract and is not founded on a deed. Do not choose the date the cause of action accrued.
- What the lawyer does: Decide the cause of action, the accrual date, and whether section 14 or section 50C applies.
- Who reviews: Lawyer competent in this practice area
- Basis: Checked against the linked sources on 23 October 2026. Confirm the current instrument before reliance.

## Checks the lawyer makes

1. Section 14(1)(a) is six years from accrual for a cause of action founded on contract, including quasi-contract, that is not founded on a deed.
2. Section 14(2) takes out a cause of action to which section 19 applies, and a contribution claim to which section 26 applies. Those sections were not opened.
3. Section 50C is the personal-injury damages period of three years from discoverability and a 12-year long-stop. Do not use it for a claim on the policy unless the lawyer says that is the cause of action.
4. No external-dispute time limit was opened. Do not add one.

## Notes

- Section 14(1)(a) does not say that a policy claim accrues on the injury, the disablement or the denial. The accrual date stays with the lawyer. No child or disability extension was opened.

## Practical guide

Jurisdiction: Limitation Act 1969 (NSW), for a total and permanent disablement claim brought on the policy in a New South Wales court

**Deliverable**: A dated limitation note that states section 14 only where the lawyer has identified a contract claim that is not on a deed.

**Inputs**

- Policy
- Denial or other accrual fact the lawyer marks
- Whether the lawyer says the claim is on a deed

**Example**: Illustrative example: The insurer denied a total and permanent disablement claim on 1 March 2024. The lawyer says the claim is in contract and not on a deed, and that the cause of action accrued on the denial. The tool counts six years from that date. It does not choose the accrual date itself.

**Stop and escalate when**

- The lawyer has not said whether the claim is founded on contract or on a deed.
- The file also has a personal-injury damages claim and the two clocks have been merged.

Checked 2026-10-23.

## Sources

- [Limitation Act 1969 (NSW) section 14](https://classic.austlii.edu.au/au/legis/nsw/consol_act/la1969133/s14.html) (checked 2026-10-23)
- [Limitation Act 1969 (NSW) section 50C](https://classic.austlii.edu.au/au/legis/nsw/consol_act/la1969133/s50c.html) (checked 2026-10-23)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*