Income Protection
and TTD Claims

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Frequently Asked Questions

How do I make a claim?

The first thing is to find out how much income protection cover you have. If you are temporarily unable to work because of injury or illness, contact us and our Income Protection Team can find what your entitlements are, obligation free.

We can then run the claim for you, including dealing with insurer, doctors, tax office, Centrelink, and your workers’ compensation insurer. We act on a No Win No Fee basis for income protection claims, which means that we only get paid if you do and there are no up-front costs.

You should act quickly when lodging a claim, as time limits may apply.

What else do I need to know?

You don’t have to prove someone was at fault to claim TTD, just that you are temporarily unfit to work in your normal job.

Also, you don’t have to be unfit for all work, just temporarily unable to do work that fits your level of skill and expertise. So, for example, if you have only ever done manual work, you could get a TTD insurance benefit even if doctors think you’re fit enough to do a job in an office.

How long does it take?

Claims take from 4 weeks and up to be accepted. It’s not uncommon for payments to go through a qualifying period of 1 – 3 months, so it can take a while before your payments actually start.

The good news is, once we do get your payments rolling, your income protection payment will come in regularly. This is usually monthly, but it can be weekly.

Income protection will be paid to you for a set period of time, usually 2 years, 5 years, up until age 65.

How much am I entitled to?

The payment is usually around 75% of your income, plus super.  If you are able to return to work on a part-time basis, or in a lower paid job, then some income protection insurance policies will top up your wages.

What if my insurer refuses to pay?

We often see clients whose insurer has refused to pay their income protection claim. Sometimes the insurer finds a doctor who says the person is able to work. In other cases, the insurer tries the cancel policy, saying that there was non-disclosure, or insurance fraud. Sometimes the insurer says the condition is a pre-existing condition.

As specialists in this field, with lawyers who also have experience working for insurance companies, very often we can overcome these problems and get our clients paid, either by lodging a dispute with the insurer directly, or by taking the case to Court.

Why trust MCL with my Income Protection Claim?

An internationally acclaimed Compensation Law Firm, Monaco Compensation Lawyer is one of the leading disability insurance and superannuation law firms in Australia. With an experienced team of lawyers specialising in these claims, we have helped thousands of Australians to access their benefits.

We have a reputation in the industry for being tough, experienced and well-prepared which means that the insurance companies are held accountable and more likely to pay your maximum entitlements. Twenty years in the business means we know how to fast track your claim and get your benefit to you as soon as possible.

We also have experience on the other side of matters.  Almost all of our claims team worked for insurance companies prior to working at MCL, giving them valuable insight into the tactics insurers sometimes use to try to reject your claim.

At MCL you will have your own expert lawyer, who will always be available to answer your questions.  Real people, delivering real results.

Find out more about us:

To speak directly to one of our lawyers regarding your Income Protection or TTD claim, and get advice on any other benefits you might be entitled to, contact us today.

How much will it cost?

Most people who make income protection claims are in a difficult financial position. So, MCL has developed a special payment options for our insurance and superannuation clients including:

 A No Win No Fee Guarantee;
• Free advice at your initial consultation;
• No upfront charge for any expenses;
• A fixed fee on most insurance protection claims.

10 Reasons To Choose Us

No Win No Fee Guarantee

You can afford high quality legal representation without having to pay any upfront costs. We will never charge unless we successfully recover compensation. This means that if your claim is unsuccessful, you don’t have to reimburse us for any of the legal fees and expenses associated with your case.

Free advice from a solicitor

You can get free advice from one of our expert lawyers both on the phone and or in person. How does it work? You simply call us at 1300 769 665 and you will be transferred to one of our lawyers who will provide you with clear and comprehensive advice free of charge. You can also submit an enquiry online and, again, our written advice to you will be obligation free.

98% cases won

We win the overwhelming majority of our cases. Obviously, this doesn’t happen by chance – only hard, diligent work gets results. What does it mean for you? It means that nothing is left to chance and no stone is left unturned in getting you the successful result you deserve.

Award winning law firm

At MCL we take pride in our work and work tirelessly to be the best in the industry. We have been voted Personal Injury and Superannuation Law Firm of the Year 2018 in Australia (CorporateINTL Awards).

4.8 Star rating on Google

Don’t just take our word for it – look at independent Google reviews from our clients. In fact, Monaco has the highest Google rating within the industry.

Leaders in our field

For over 20 years MCL has been a leader in the field of compensation law. With 43 offices nationwide, we can deliver our services to you wherever you are. No matter how big or small your claim, we have the expertise to handle it successfully.

We are specialists in Superannuation – TPD claims

At Monaco, our lawyers are some of the best trained and qualified in the industry.We have a team dealing exclusively with Superannuation – TPD claims, headed up by an Accredited Specialist. So no matter how complex your claim, we have the expertise to handle it successfully.

Maximum compensation

Don’t let insurance companies pay less than your claim is worth. You deserve substantial compensation for your suffering and it is our responsibility to get it for you. We have the training and expertise to ensure that nothing will be left to chance when preparing your claim. The result – maximum compensation recovered in every case.

We are in for the long haul

Compensation claims can be expensive to run. We have the financial muscle to go the distance against the limitless resources that can be deployed by the insurance companies. If we take your case, we’ll run it on a No Win No Fee basis, so you have nothing to lose.

Home and hospital visits

We have dealt with injured people over many years and understand that sometimes travelling to see a lawyer can be difficult. This is why we offer our free home and/or hospital visit service. All you need to do is ask!

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