TPD insurance benefits are usually paid as a lump sum where the claimant suffers a that permanently prevents them from working in their normal job or any other work for which they are suited for by education, training or experience. Most Australian workers are covered for TPD insurance through their super fund. So, if you have suffered an illness or injury that prevents you from performing your normal work duties, you might be eligible to make a TPD claim.
You may also have TPD insurance cover through a life insurance policy provided by:
- Your employer as part of an EBA or employment contract
- A union
- From your financial institution or bank
- Your financial advisor
Where TPD claims get complicated is around the exclusion or eligibility clauses in the fine print of a TPD policy. AMK Lawyers have extensive experience helping our clients understand the fine print in their insurance policies. We will work tirelessly to ensure you get every dollar and benefit that you’re entitled to. So, get the process rolling and contact us about your TPD claim today. We’re here to help.
Am I eligible for a TPD claim?
Broadly, you’re eligible to make a TPD claim if:
1. You have TPD cover through your super fund or other channel, which most workers do, or;
2. You can show you’re unable to do your normal job or any other work for which they are suited for by education, training or experience
For example, if having a bad back stops you from working in your normal construction job, you may be entitled to make a TPD claim — even if your doctor says you’re fit for another kind of employment, such as office work.
Remember though, when it comes to TPD claims there are always terms and conditions, which can be confusing and tricky to navigate. Our experienced TPD lawyers can help you understand your entitlements and fight for the highest benefit possible.
How much will my TPD benefit be?
TPD benefit amounts vary depending on the individual policy terms negotiated by your super fund or employer. Benefits are usually paid as a lump sum worth tens or even hundreds of thousands of dollars. TPD insurance amounts often decrease or lapse as you age so its important to check the level of cover at the time you ceased work due to disability even if cover has since ended.
How to claim total and permanent disability insurance
Contact AMK Lawyers as soon as you think you have a claim. We will work with your superannuation fund/s to determine your eligibility and size of your claim.
Our expert TPD lawyers will then follow these four main steps to lodge your TPD claim:
1.Request documentation from your super fund, including:
- An initial claim form
- Medical attendant statements
- Certificates of release
- An employer statement
- Authorities that give your super fund or insurer permission to request further information from your doctors and other third parties like Medicare
2.Submit your claim
We help you complete all your documentation and then submit your claim
3.Your claim is assessed
Your super fund and insurer will review your documentation. They may also request further evidence, such as specialist reports or tax records.
4.Your insurer makes a decision on your claim
Your insurer can:
Accept your claim
If you engage our expert TPD lawyers from the beginning, you’ll have a much better chance of your claim being accepted. Your insurer will contact you with your claim payment options.
Decline your claim
Your claim has not satisfied the conditions of your policy.
Declare procedural fairness
Based on the information you provided, your insurer will most likely decline your claim but they have decided to give you 28 days to provide further information that may support your claim.
We understand a declined or delayed claim is often upsetting for claimants who are already under medical and financial stress, but don’t lose hope. Your local AMK LAwyers team will do everything in our power to get you the result you need. We know the ins and outs of a range of TPD policies and can help you find the information you need to get the benefits you deserve.
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