Personal Injury Lawyers Brisbane
Superannuation / Total And Permanent Disability (TPD) Claims
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Superannuation & TPD Claim Lawyers
Are you injured or ill and unable to work? Whether you have been injured at work, in a public place or in a motor vehicle accident, finding yourself unable to work can result in financial stress. However, if you find yourself in this position, you may be able to make a claim through your superannuation policy. Our superannuation and TPD claim lawyers can help.
The reason many people are able to make a claim through their superannuation policy is that they have attached a Total and Permanent Disability (TPD) component and/or Income Protection (IP) cover to their superannuation policy. These are typically additional benefits to your superannuation policy which don’t affect take-home pay. However, you should check your policy details before claiming.
You can claim for any accident or injury, and your health issues do not need to be caused by the fault of another person. If you are the dependent of a deceased loved one, then you may also be entitled to claim on TPD insurance via a post mortem or after death claim. Contact us to speak with a superannuation claim lawyer in Brisbane about making a TPD or IP claim today. We offer a No Win No Fee guarantee.
What is a TPD Claim?
A TPD claim is a claim against a person’s superannuation fund, allowing a benefit to be paid if a member can no longer work again or is unlikely to ever work again due to a physical or mental injury illness, also known as a permanent disability. For this reason, it’s sometimes known as a disability benefit or an incapacity benefit.
TPD claims cover a range of accidents, injuries and illnesses. The main focus is not on what caused the medical condition, and instead these claims focus on the individual’s ability to work again as a result of the condition.
In some cases an individual may have a right to make two claims, for example if they are injured in a motor vehicle accident, then they can make a claim against the CTP insurer and also a TPD or IP claim under their superannuation policy.
All policies have specific wording as to the entitlement of a person to make a claim. As a result, your policy must be carefully reviewed to ensure that you have the correct entitlements. It is therefore important to ensure you obtain expert legal advice before proceeding. This way, you can ensure that the correct evidence is placed before the insurer before a determination of your claim is made.
When Can I Make a TPD Claim?
Generally speaking, you need to be absent from work for a minimum period of 6 months before a claim can be considered (although this varies between policies). The types of injuries covered by these policies are far ranging and include both physical injuries and also psychological/psychiatric injuries.
Provided you had insurance coverage in place at the applicable time, then you will be able to make a claim regardless of the cause of your injury or illness. Instead, you will just have to show that the injury or illness you sustained has affected your ability to earn an income or has severely impacted your ability to carry out daily tasks.
Proof Required for TPD Claims
To claim for TPD through your superannuation policy, you will need to provide medical evidence that you meet the criteria outlined in your policy. This will generally include medical certificates from doctors and other medical practitioners.
You will also need to meet the definitions laid out in your policy in order to make a claim. Most TPD policies are ‘any-occupation’ policies (including all under supers). This means that you’ll need to prove that you are unlikely to ever be able to work in a job again that is suited to your level of education or experience. As this can include all forms of paid work (depending on the policy wording), it can be difficult to prove, which is why expert help is recommended.
However, some TPD policies are what’s known as ‘own-occupation’ policies. This means that you’ll 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 cover, 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’re successful in making a claim, some policy providers will then ask that you prove that you’re receiving ongoing medical care to improve your condition or prevent further illness.
Overview of the TPD Insurance Claims Process
The first step in making a TPD claim is to ensure that you have the right insurance coverage in place. Your policy should be reviewed to determine whether you are eligible to make a TPD claim and what evidence you will need to provide.
Once you have established your eligibility, you will need to provide medical evidence to support your claim. This may include medical certificates from doctors and other medical practitioners, as well as documentation of your work history and ongoing medical care. We dove a bit more about this in the section above.
The last step is to make your claim to your TPD insurance provider. This will involve submitting all the necessary evidence, including medical certificates and other supporting documentation. Your provider will then assess your claim and make a determination as to whether you are eligible for TPD benefits.
Consulting a Lawyer about TPD Claims
When it comes to Total and Permanent Disability (TPD) claims, it is important to understand your entitlements under your insurance policy and navigate the “insurance claims” process with expert legal advice.
If you need to talk to a superannuation TPD claim lawyer contact Seymour Furlong Lawyers, we have offices in Forest Lake, Brisbane CBD, Coolum Beach, and Mount Gravatt. Regardless if you have a rejected TPD claim or are just getting started, please get in touch with us.
We are happy to provide individuals with a free check of their entitlements to claim under any such policy. Despite the process not being overly complicated, there have been unfruitful outcomes for some who are not properly represented.
In these cases, a more positive result may have arisen if they had been properly represented. By instructing us to help with your matter, we will be able to ensure that you hit all deadlines, provide the right evidence and stand the best possible chance of success. If you’re interested in lodging a TPD claim, please contact us to discuss your case.
Seymour Furlong Lawyers have a ‘No Win No Fee‘ guarantee which means you’ll get legal support and presentation second to none because it’s our best interest to get you the compensation you deserve. And in the event that you don’t get a positive outcome, you won’t have to pay us a thing.
Frequently Asked Questions
A time limit will apply for your claim, but this varies from fund to fund and from insurer to insurer. Under some schemes, you can claim immediately, while others require you to spend at least six months off work. To ensure that you’re meeting all of the relevant legal requirements, we suggest instructing a lawyer. If your employment is terminated, then you usually need to 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 if your claim progresses to trial (which is highly unlikely), then it may take much longer.
The amount of money that 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, this is something we help people with as they start the superannuation claims process.
If you have multiple super funds from different employers, then you may be able to claim multiple benefits at the same time. However, before you make such claims, you should carefully check the conditions of each fund.
You could have the choice 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.
Yes, even if you are already collecting workers’ compensation, you might be able to file a TPD claim. However, any other benefits you may be getting could have an impact on how much money you get from a TPD claim. For further information, it is preferable to 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 the several kinds of superannuation claims. There are particular conditions and evidence that must be met for each type of claim in order to be eligible. It’s important to speak to a lawyer to find out what particular conditions can apply to your situation.
A class action is a sort of legal action in which a big group of people sues another party, usually a corporation or business. Class actions are frequently employed in situations when it would be too expensive or logistically difficult for each individual to file their own independent lawsuit. Class actions may be used in the context of TPD (Total and Permanent Disability) insurance claims if a sufficient number of policyholders believe their insurance company has unfairly refused TPD coverage. If the class action is successful, the litigants may be awarded compensatory damages, and the defendant may be forced to change its business operations.
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.
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