Are You Eligible To Make A Claim?
To be eligible to lodge a TPD claim or income protection claim, you first need to ensure your TPD insurance cover was active at the date you became totally or partially disabled from performing any occupation for which you are reasonably suited by education, training or experience.
We will need to refer to your superannuation policy or insurance policy schedule to determine your waiting period, which can typically range from 12 to 90 days. The waiting period is the period of time you must wait from when you become unable to work before you are eligible to lodge a claim for total or partial disability benefits thereafter.
It is important, however, to always check the terms of your policy to note any additional requirements as part of your cover.
What Is Your Next Step?
If you have suffered an injury or an illness, it is important that you seek appropriate medical treatment as soon as possible and continue to receive treatment as recommended by your healthcare professional.
You should check your records for any superannuation fund statements or insurance policy documents and contact Brydens Lawyers for a free consultation.
What Are You Able To Claim?
You may be entitled to claim a monthly benefit or a percentage of your pre-disability income in the event you are totally or partially disabled from working in your own occupation. This is payable pursuant to an income protection policy. If you have been off work for longer than your waiting period and are yet to claim, you may be entitled to claim benefits retrospectively.
If you are totally and permanently disabled, you may be entitled to claim a lump sum payment.
Why Are Brydens Lawyers The Right Representation For You?
We are experts in interpreting complex policy documents and have a thorough understanding of the claims administration process. We are able to guide our clients through the claims process, ensuring maximum benefits are paid under an income protection policy.
Our lawyers will assist you in simplifying the claims process by looking after an insurance claim with a super fund/insurer from start to finish, which includes making initial investigations, reviewing applicable policy document(s), liaising with doctors and other third parties to obtain relevant evidence, and communicating with the superannuation fund/insurer throughout the duration of the claim process. Additionally, Brydens Lawyers operates a *“No Win – No Fee” policy. If your claim is unsuccessful, we do not get paid. This makes us as committed to the successful prosecution of your case as you are.
When Should You Consult a Lawyer About Making a Claim?
You should contact Brydens Lawyers as soon as you have ceased working because of a medical condition so that we can make enquiries with your superannuation fund or insurer in regard to your level of cover.
You may also wish to consider obtaining legal advice if you have had your income protection claim declined or if an insurer disputes its liability to continue making payments under an existing policy.
What is a TPD insurance claim, and how do I file one?
A TPD insurance claim is a claim for insurance benefits provided under a Total and Permanent Disability insurance policy. To make such a claim, you will need to demonstrate that you are unable to work due to a permanent disability. This involves providing medical evidence and documentation confirming your condition. It is often advisable to work with expert TPD lawyers, such as those available to you at Brydens Lawyers, to ensure all aspects of your claim, including complex policy terms and eligibility requirements, are properly addressed.
What benefits can I expect from a TPD claim?
If your TPD claim is successful, you may receive a TPD benefit. This typically includes a lump sum insurance payment designed to help cover medical expenses and loss of income due to your disability. The specific amount depends on your policy’s terms and the nature of your disability.
How does TPD insurance cover differ from regular disability insurance?
TPD cover is a specific type of permanent disability insurance. Depending on your insurance policy, you may be entitled to a TPD lump sum payment in the event of a total and permanent disability. This is different from regular disability insurance, which might offer ongoing income protection or shorter-term benefits for temporary disabilities.
Can I receive the Centrelink Disability Support Pension in addition to my TPD benefit?
Yes, you may be eligible to receive this pension in addition to your TPD benefits. However, receiving a lump sum payment under your TPD policy may affect your eligibility for the pension or the amount you can receive. It is crucial to discuss your situation with expert TPD lawyers such as those available to you at Brydens Lawyers, to understand how different benefits may interact.
What should I consider when making multiple TPD insurance claims?
When making multiple TPD insurance claims, it is essential to understand that each claim will be assessed based on the terms of each individual policy. Multiple claims may also have implications for each claim, depending on the terms of the policies. Consulting with expert TPD lawyers can help you navigate these complexities.
