Income Protection and TTD Claims

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.

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.

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.

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.

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.

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:

• About us
• Hear what some of our clients say
• History of MCL
• Read about the expertise of our lawyers
• Our No Win No Fee Guarantee

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.

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.