TDP Claims - Total and Permanent Disability
f you are suffering an illness or have been injured at work to the point where you are no longer able to perform your duties, then you may be eligible to make a TPD insurance claim. The general standard required (though this does vary between insurers) is that if you have suffered an injury or an illness that prevents you from working in the same capacity as before, then you may be able to make a Total and Permanent Disability Claim.
At Revolution Law, we are experienced with Total and Permanent Disability matters and have a deep understanding of what it takes to make successful TPD claims. Our team of experienced lawyers have a proven record of getting outstanding results for our clients.
Our Claims Process
Not entirely sure if you could be eligible for a Total and Permanent Disability (TPD) claim? If your employer is paying your superannuation, there may be a TPD insurance policy in place for you. Most superannuation funds typically have TPD insurance attached to their policies, and this cover is there to protect you in the unfortunate circumstance that you are seriously disabled and unable to work again.
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Valuable Legal Advice When You Need it Most
If you or a loved one is unable to continue working because of an illness or injury, it is often a stressful, painful, and somewhat difficult situation for you and/or them as they adjust to a new way of life. At Revolution Law, we take every case for TPD claims seriously and will be able to tell you, in a free consultation, whether you’re likely to succeed in your claim.
We regularly find that prior to engaging us our clients will try to self-litigate a TPD claim, but quickly realise how complex this process can be. On the surface, many people think that it’s just an insurance claim, and how hard can it be? These clients have the unwelcome opportunity to experience first-hand just how confusing, stressful, and complex TPD claim matters can be. The team at Revolution Law are trained and have the experience to understand exactly what is needed – and when it’s needed – when it comes to a TPD claim and can provide you with much-needed support and guidance to make the claims process smooth.
We know the importance that our clients place on accessing their benefits in a timely manner due to the difficult circumstances they are experiencing. Self-litigating a TPD Claim can not only extend the process but can significantly increase the chance of an unsuccessful claim, particularly as the first attempt to claim is so important.
Don’t run the risk of drawing out your claims process – Call Us to make the journey smooth.
What You Need for Your TSP Insurance Claims
The eligibility that you may have to make a TPD claim will be outlined in your superannuation or insurance company’s policy documents – and these can often be difficult to go through. Our team of expert solicitors can help you cut through the legal speak and make sure you understand every part of what you need to do.
Regardless of the policy you have, you’ll generally be required to show a minimum level of disability, and you’ll also most likely have a waiting period of some sort – which is standard for most superannuation policies. In some cases, you’ll also need to show a history of employment with a company, or a certain number of hours worked each week.
It is possible that you may have multiple policies with super funds that you may not even know of. As such, we can conduct a search to identify any other super funds that may have TPD insurance attached to them at the time of the injury.
What Does my Total Permanent Disability Claim Provide for?
When you are injured or ill, there is not only your lost income to think about – there is a whole host of other potential issues that you can come up against. There are medical fees, appointments, potential modifications to make to your house and anything else you may need to do to make your life comfortable and secure.
When seeking a TPD claim, our legal team can help you see exactly what you can claim for, and how much you may be entitled to. We know that our clients would much rather never have suffered the injury or illness in the first place – but the insurance payment that you may receive does go some way to alleviating the difficulty you may be facing.
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The Claims Process
If you have suffered an injury or an illness that prevents you from working in the same capacity as before, then you may be able to make a claim to TPD insurance.
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We obtain your super fund information and review your TDP policy. We also investigate for other super funds with attached TDP policies.
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We start gathering relevant evidence including employment and medical records. You may need to attend a specialist for an independent medical report.
Deal directly with an experienced lawyer
We will liaise with treating specialists and general practitioners to complete Medical Attendant Statement. You can always access your lawyer directly.
We are not in the business of losing
We will complete specialised submissions for lodgement with the TDP fund. When a claim is successful we transfer your settlement within 3 business days.
Frequently Asked Questions
Am I claiming an early release of my super annuation when I make a TDP claim?
No. Any TDP payout comes directly from the TDP insurance policy which is attached to your Super Annuation Fund.
Can I make multiple TDP claims?
Yes. If you have multiple Superannuation Funds then you can make multiple TDP claims.
Is my TDP taxed?
Unfortunately unlike a personal injury claim, your TDP compensation will accrue tax.
Is TDP only available if I can't return to work?
Each TDP policy differs, generally your TDP policy will have such terms as, "you can't return to your usual occupation by way of past educations, employment or experience." This means that you might be able to make a TDP claim is you can't return to your usual job, but you will still be able to obtain employment in a different field.