Total & Permanent Disability (TPD)
If you’ve suffered an injury or illness, whether physical or psychological, that permanently prevents you from working either in your ordinary job or any other job for which you may be suited, you may be eligible to make a TPD claim.
Importantly, the injury or illness does not have to be related to any act of negligence or occur at work and can include heart attack, cancer and other illnesses. Depending on your circumstances, you can claim TPD insurance at the same time as making other compensation claims, such as a workers compensation claim.
To be eligible for TPD insurance claim you will have TPD insurance cover via your superannuation fund or an insurance company.
Where the trustee of a superannuation fund or insurer has excluded your eligibility for a TPD claim, it is important that you are aware that there are strict time limits that apply to challenging the decision.
To find out more about your entitlements, contact us.
CONFIRMATION OF INSURANCE & WORK HISTORY
Look at your work history to outline the impact of your illness/injury on your ability to do your job, as well as review your insurance policy.
GATHERING MEDICAL
EVIDENCE
We will have you assessed by medical specialists to determine your ongoing health issues.
CLAIM IS
LODGED
Once we have gathered all the appropriate paperwork, we then submit the claim and wait for approval.
Payout or
Appeal
Finally, the last stage is receiving the payout, or in the case your claim is rejected, we would work with you to appeal your rejection, if required.