Being unable to work due to an injury or illness can make life extremely difficult. If you can no longer earn an income in your former capacity, you may be entitled to a Total and Permanent Disability (TPD) payout.
TPD insurance is a type of living insurance that provides you with financial support in the event that you can no longer work. Designed to cover the cost of rehabilitation, lost income, and future living costs, it is usually paid in a lump sum. You can access TPD insurance through private life insurance, worker’s compensation, or your superannuation fund.
Making a TPD claim can be a lengthy and complex process. To ensure the success of your claim, you will need to prove to your TPD insurance provider that you can no longer work. It can be difficult dealing with insurers, and you may need help verifying your entitlement to claim.
Before taking legal action, it is recommended you seek legal advice. Our personal injury lawyers can assist you with the claims process, allowing you to focus on your recovery while we take care of legal proceedings.
Most TPD claims can be resolved within a matter of months. Once your claim has been lodged, your insurer or super fund will assess your situation. They may request further information or documents before a settlement can be reached.
If the review process is taking an unreasonable amount of time, you may be able to take further legal action to try and enforce your entitlement to a TPD payout. Having a personal injury lawyer manage your claim can help you access your TPD payment sooner rather than later.
Yes, if your superannuation policy includes TPD insurance. To successfully claim TPD through your superannuation, you will need to satisfy the conditions set out in your fund’s policy. Most superannuation funds include some level of TPD cover, offering employees a form of protection against serious injuries.
Before taking legal action for a total and permanent disability, always check your superannuation fund’s fine print to check exactly what it covers.
The costs involved with making a TPD claim can differ depending on your case’s complexity. If you are worried you may not have sufficient finances to make a claim, Personal Injury Helpline offers legal advice. We are able to assist you throughout the process with our No Win No Fee service.
You will only be required to cover the cost of your legal fees if you are awarded compensation. If your TPD claim is unsuccessful, you won’t have to pay us anything at all.
The amount of your TPD payment will be based on your unique circumstances. After reviewing your case, our lawyers can advise you on a suitable claim amount.
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Total and Permanent Disability (TPD) insurance provides financial protection to individuals who suffer from a disability that leaves them unable to work. This insurance provides financial support to help cover living expenses, medical bills, and other financial obligations. Our experienced team can provide you with a free claim assessment and help you prepare your TPD insurance claim and obtain the required supporting documentation.
To be eligible to make a TPD insurance claim, you must meet your superannuation funds criteria, this will be outlined in your insurance policy. While conditions may vary between super funds. The common requirements are that you are permanently unable to return to work within your usual occupation or otherwise. The definition and eligibility of total and permanently disability may very per super fund, it is important to understand your policy to determine what you may be entitled to claim. Our experienced team will review your superannuation documents and advise whether you may be eligible to commence a claim.
You are required to provide evidence that you are totally and permanently disabled, meaning you are unable to work in their occupation or any other suitable occupation for which you are reasonably qualified by education, training, or experience. Starting a TPD claim often be daunting, your superannuation fund may provide copies of your trust deed, policy, initial claim forms and forms to be completed by your treating doctor. Our experienced TPD team will review your documents and offer guidance and support throughout the claims process.
To make a TPD claim most policies contain a waiting period, during which you must be continuously unable to work before you may lodge your claim. The length of this waiting period varies depending on your policy.
To qualify as TPD the superannuation fund will ask for medical evidence to support your claim for total and permanent disablement. This is typically a statement or certificate from your treating doctor which certifies that you are unable to return to work. We are able to request this on your behalf as well as any other information your TPD insurer requests.
Upon meeting the eligibility criteria and successfully lodging a claim, policyholders are entitled to various benefits under their TPD insurance policy. These entitlements may include a lump sum payment or annual support payments. If your TPD claim is accepted by the superfund you may be entitled to withdraw from your superannuation balance too. The amount of TPD insurance cover that you may be entitled to could vary depending on your policy, age and your level of coverage. However, not all TPD insurance policies entitle you to a lump sum payment, some superfunds offer assist payments which could be on a weekly, monthly or yearly basis. Our office can obtain copies of your policy and entitlements from your superfund on your behalf and confirm what you may be entitled to claim.
Navigating the TPD claims process can be complex and challenging, particularly when dealing with experienced insurance companies. In such situations, our TPD lawyers will help prepare your personal injury claim on a no-win no-fee basis.
As experienced personal injury lawyers we have in-depth knowledge of the processes involved to progress your TPD claim. We can provide guidance on interpreting policy terms, understanding your rights and entitlements, and navigating the claims process effectively.
Our experienced TPD lawyers can provide you with a free assessment on your TPD claim by reviewing your policy, medical evidence, and other relevant documentation. We will advise you every step of the way.
In cases where the superannuation insurer may dispute your TPD claim, our experienced lawyers will advocate on your behalf. After a denial there may be options to take your matter further, we can challenge a claim denial through formal dispute resolution channels.
In instances where disputes escalate to litigation, our experienced TPD insurance lawyers can advocate for your claim. Our experienced team will pursue the best possible outcome.
Total and Permanent Disability (TPD) insurance is a type of insurance policy for individuals facing disabilities that prevent them from returning to working. Our friendly TPD lawyers can help you understand the eligibility criteria and entitlements. This is essential to ensure that you receive fair treatment from your superannuation fund. By seeking legal representation, you can navigate the complexities of the claims process with confidence and secure the financial support you are entitled to.
TPD stands for Total and Permanent Disability which is a compensation that an individual can claim if they have sustained an illness or injury that prevents them from working for three months or longer.
How much compensation you will receive for a TPD claim will depend on the severity of your injuries and other factors in your unique circumstances. To determine how much compensation you are entitled to, contact our lawyers to discuss your case and we may be able to advise you on a suitable claim amount.
Find out if you are eligible for a TPD payment today by contacting us on either 1800 HELPLINE (1800 435 754). To get in touch online, complete the attached contact form and we will call you at the first opportunity.
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