Brisbane Superannuation and TPD Claim lawyers

You must meet all the definitions outlined in your policy and provide medical evidence, including medical certificates from doctors and other medical practitioners.

Most TPD policies are ‘any-occupation’ policies, which pay out if you’re unable to work in any job suited to your skills and experience due to permanent disability. These policies are harder to claim than ‘own occupation’ policies, as you must prove you can’t work in any reasonable job, not just your previous one.

‘own-occupation’ policies mean you only need to prove that you will never be able to return to work full-time in your previous role. This can be easier to prove if, for example, you are a bricklayer who has broken their back.

Depending on your level of coverage, you may also be required to submit your work history to satisfy eligibility criteria. This can include 12 months of employment history, whether you’re a full-time or part-time worker or whether you work a minimum number of hours.

If you successfully make a claim, some policy providers will ask you to prove that you’re receiving ongoing medical care to improve your condition or prevent further illness.

Total permanent disability (TPD) is a term used to describe an injury or illness that has left you completely unable to work. If you have been diagnosed with a TPD, you may be entitled to receive benefits from your superannuation fund.

Yes. You can make a TPD claim even if you are not currently working. However, you will need to provide evidence that your injury or illness has prevented you from being able to work in the future.

Generally speaking, you must be absent from work for at least 6 months before a claim can be considered (although this varies between policies).

• Financial support to help you meet your everyday living expenses;
• Rehabilitation support to help you recover from your injury or illness;
• The peace of mind of knowing that you can support yourself and your family if you cannot work in the future.

A time limit will apply for your claim, but this varies from fund to fund and insurer to insurer. Under some schemes, you can claim immediately, while others require spending at least six months off work. We suggest instructing a lawyer to ensure you meet all the relevant legal requirements. If your employment is terminated, you usually must claim within two years.

How long it takes to process a superannuation claim will depend on the complexity of the matter. Generally speaking, most claims are settled within two to three months, but it may take much longer if your claim progresses to trial (which is highly unlikely).

The amount of money you receive will depend on the type of insurance cover you have and how much you’re insured for. You can usually find this information in the fine print of your policy documents. We help people with this as they start the superannuation claims process.

If you have multiple super funds from different employers, you may be able to claim multiple benefits simultaneously. However, before you make such claims, you should carefully check the conditions of each fund.

You could choose to appeal the decision if your TPD claim is rejected. To understand the grounds for the denial and consider your options for appeal, speak with a lawyer or a TPD claims specialist.

You can file a TPD claim even if you currently collect workers’ compensation. However, any other benefits you may be getting could impact how much money you get from a TPD claim. For further information, speak with a lawyer or a TPD claims specialist.

A superannuation claim is a request made under a superannuation scheme to access benefits early due to illness, injury, or financial difficulty. The conditions and the policy’s provisions will determine what kind of claim is made.

TPD (Total and Permanent Disability), Income Protection, and Financial Hardship claims are among several superannuation claims. Particular conditions and evidence must be met for each type of claim to be eligible. It’s important to speak to an experienced superannuation lawyer to determine what conditions can apply to your situation.

While TPD claims provide financial assistance to people who are unable to work due to a permanent disability, death claims, or death dependency claims provide financial assistance to the policyholder’s surviving family in the event of the policyholder’s death.