19/04/2024

What is total and permanent disablement (TPD)?

What is total and permanent disablement

TOTAL AND PERMANENT DISABLEMENT (TPD)CLAIMS

Have you suffered an injury or terminal illness which is stopping you from doing the work you once were able to do? 

You may be eligible to claim Total and Permanent Disablement (TPD) insurance benefit through your superannuation account.

WHAT IS A TPD INSURANCE CLAIM:

A TPD claim is an insurance claim which entitles you to receive a lump sum payout in the event you become incapacitated and are unlikely to work again.  

HOW DO I KNOW IF I HAVE A TPD INSURANCE?

A TPD insurance is usually provided by default when you join a superannuation fund through your employer. You may have also directly applied for a TPD insurance cover with your superannuation fund. If you are unsure whether you have TPD insurance, speak with one of our solicitors at Alliance Compensation & Litigation Lawyers who can advise whether or not you are covered.

AM I ELIGIBLE FOR TPD?

If you have an illness or suffer from an injury which affects your ability to work, you may be entitled for a TPD payout. However, insurers will assess your claim against the terms of the insurance policy applicable to your membership. Therefore, the requirements you need to satisfy for a TPD claim will vary, however, some common factors which may affect your eligibility include the following: – 

  1. Your age.
  2. Your employment status at the time of your injury/illness.
  3. Your level of disability and treatment you are receiving; and 
  4. Whether or not you held TPD insurance at the time of your injury/illness.

HOW LONG WILL MY CLAIM TAKE?

TPD claims can take months or years to resolve depending on the complexity of your claim. However, if your claim is prepared well and the right supporting documents are submitted to the insurer it can resolve in 3-6 months. Let our highly experienced solicitors at Alliance Compensation & Litigation Lawyers fast-track your claim and achieve the best results for you in a short period of time.

HOW CAN ALLIANCE COMPENSATION & LITIGATION LAWYERS HELP ME:

Our insurance solicitors at Alliance Compensation & Litigation Lawyers are highly experienced in running complex TPD claims who will guide you through your claim from start to finish. We will provide you legal advice and assistance on No Win, No Fee basis, which means you will only pay legal costs if we are successful in getting a TPD payout for you.

Why Choose Alliance Compensation Lawyers:

  1. We have a high success rate.
  2. You do not pay us if your claim is not successful.
  3. We pay for all the expenses you may incur during the process of your claim.
  4. We have an expert team of TPD lawyers who will cover everything for you, completing claim forms, obtaining medical legal reports, drafting complex legal submissions.

If you think you may be entitled to make a TPD claim, or wish to receive more information, contact us to arrange a free consultation.

Get in touch to find out more HERE … or call 02 8764 1776
We can help.
No win, no fee.
We can help.
No win, no fee.

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