Your superannuation is more than just a retirement fund — it’s also packed with extra benefits like income protection, death benefits and Total and Permanent Disability (TPD). If you’re permanently injured or ill and unable to work, a TPD claim can provide a substantial lump sum payout. The best part? It’s often automatically included in your super policy, meaning you might be covered without even knowing it.
Unfortunately, a successful claim requires more than just filing paperwork with your super fund or insurer. You must meet all your policy’s requirements and provide solid medical evidence of your condition and its impact on your life. Without this, your claim could be denied, and you might miss out on your benefit. That’s why we strongly suggest getting legal advice from a specialist TPD lawyer before starting your claim.
Below, we explore how TPD claims advice can help you navigate the complex process and secure your full benefit — fast.
Despite the name, you don’t have to be bedridden or confined to a wheelchair to make a TPD claim. You just need to meet the definition of TPD in your policy.
Generally, there are two types of TPD policies: ‘any occupation’ and ‘own occupation.’
Your entitlement to a TPD benefit depends on the terms of your policy, so it’s crucial to understand them fully. Policies can be complex and are open to interpretation, so getting legal advice is essential. Don’t just rely on the super fund or insurer’s interpretation of your policy — consult with a specialist TPD lawyer to get the benefits you’re entitled to.
Find out if you’re eligible for a TPD claim today.
An experienced superannuation and TPD lawyer provides invaluable guidance and representation in TPD claims. Their legal advice can assist in every aspect of your claim, including:
Making a TPD claim can come with several challenges, each of which requires careful navigation and legal expertise. These include:
To tackle these challenges head-on, it’s essential to seek professional help with your TPD claim. A skilled lawyer can help you understand your entitlements and the specific requirements of your policy. They can also assist with uncovering any additional claims you might be eligible for, such as multiple TPD claims or work injury claims. With expert TPD insurance lawyers by your side, you can avoid unnecessary delays and ensure a smooth, speedy resolution of your TPD claim.
Navigating TPD claims is more than just knowing the law; it demands experience, strategy, and the ability to stand up to super funds and insurers. Whether you need help understanding your policy, proving the permanence of your condition, or challenging a decision, a lawyer provides crucial guidance and support.
Get in touch today for free TPD legal advice. Our lawyers are always ready to review your policy and offer free advice on your entitlements.
Use our online claim checker to instantly find out if you have a claim. Alternatively, just give us a ring — our expert lawyers are always ready to answer your questions.
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