If you’ve suffered injury or illness and can no longer do the work you once could, you may be entitled to a Total and Permanent Disability (TPD) insurance benefit through your superannuation.
TPD Insurance - What is it?
A total and permanent disability claim entitles you to payment of a lump sum if you have suffered an injury or illness that prevents you from returning to work in the same capacity.
A benefit payment can fund current and future medical costs, clear any debts that may have accrued and provides you with a source of income to help restore your quality of life as far as possible.
Can I make a claim?
Your eligibility to make a TPD claim will depend on the requirements laid out in your specific policy, as decided by the insurer or super fund in question.
Criteria varies from insurer to insurer, but some common requirements for making a claim include:
- Level of disability - Before making a TPD claim, it is likely you will have to show you are suffering a minimum level of disability. This often considers your ability to return to your previous role, or to work at all.
- Your super fund - Your ability to lodge a TPD insurance claim will depend on whether cover is included in your superannuation policy. If unsure, get in touch with your super fund or a member of Shine's Superannuation and Disability Insurance team for more information.
- Waiting periods - Before lodging a claim, most policies will require a waiting period after the date you sustained injury. This allows for all injuries and symptoms to stabilise so the full extent of damage can be determined.
- Employment history - Some policies require you to satisfy a minimum level of employment before you are eligible to seek a total and permanent disability payout. This is generally in the form of total length of employment or number of weekly work-hours.
How do I make a claim?
To lodge a successful TPD claim, specific steps need to be taken. These will depend on the super fund or insurance company you are with, and whether or not your cover falls inside your super policy.
The process of submitting a claim and receiving your benefit can be lengthy, so it's recommended you seek appropriate legal advice to ensure you receive the full range of benefits you are entitled to. If you have a rejected TPD claim, like our client Dudley had experienced, don't give up hope - contact our team today for an obligation free discussion to see if we can assist.
At Shine Lawyers, our team of carefully selected lawyers are expertly trained in running Superannuation and TPD claims. Our legal team will guide you through the complex process of making a TPD claim, and help you regain control over your life when you need it most. Find out more about the benefits of having a lawyer support your TPD claim here.
Our services are offered on a 'No Win, No Fee' basis, meaning you only pay legal fees if we are successful.
Who is Shine Lawyers’ Superannuation & Disability Insurance Law team?
Shine Lawyers’ Superannuation & Insurance team includes some of the firm’s most experienced special counsel, solicitors and support staff, including law clerks and paralegals. The team includes: