A guide to achieving a successful TPD claim payout
What is TPD insurance?
Total and permanent disablement (TPD) insurance is a lump sum payable to you (often linked to your superannuation) if you are unable to work again in your chosen field of work or similar work due to an injury or illness. It does not need to be a significant injury or illness that prevents normal bodily function – the injury needs to satisfy the specific wording of your insurance policy. For many Australians, a TPD claim can provide a substantial lump sum payment at a time when you need it most.
If you have been off work for three or more consecutive months due to an injury or illness, with no prospect of returning to work, then you may be able to lodge a TPD superannuation claim. At TPIL Lawyers, our TPD insurance claims experts will investigate your entitlements at no cost or obligation to you. This benefits our clients as we can identify all your superannuation funds containing TPD policies, review whether you are eligible to claim and provide you with our advice to get your TPD claim approved..
What do most common TPD claims involve?
If we think you have a valid TPD claim, we can assist you with your claim on a ‘No Win No Fee’ basis.
1. Obtain medical evidence addressing the TPD definition of your policy from your treating doctors
2. Lodge your claim with detailed submissions, with your initial claim documentation and medical evidence
3. Arrange independent medical evidence from our panel of specialists who understand the specific requirements of a TPD super claim
4. Follow up with the Insurer – most claims take up to 18 months
5. Engage the dispute resolution process should your superannuation TPD claim be decline
We can dramatically improve your chances of a successful TPD claim
Are there any time limits for total and permanent disability insurance claims?
In most cases there is not a time limit on claiming TPD through super, but the longer you wait to claim, the higher the difficulties become in obtaining relevant evidence about your initial injury or illness.
Where a TPD super fund or TPD insurer has declined a claim, there is a six-year time limit to file court proceedings. This period commences when your claim is first rejected. It is important to seek legal advice as soon as possible to ensure your rights are protected.
If you would like us to assist with a total and permanent disability superannuation claim , please feel free to contact us or call on 1800 958 498.
