TPD/Superannuation
What is a TPD
/Superannuation Claim?
If you have suffered an injury, illness, disability or condition which prevents you from working for a lengthy period of time then you may be entitled to a claim on your superannuation policy.
Majority of superannuation policies have additional insurance cover which might be total and permanent disability (TPD) or income protection (IP) insurance. Majority of individuals have superannuation but do not realise they have additional coverage for when times are difficult.
Superannuation Claims
- Total and Permanent Disability (TPD): TPD insurance provides a lump sum payment if you are unable to work due to a permanent injury, illness, disability or condition.
- Income Protection (IP): IP insurance provides a replacement income if you are unable to work temporarily due to injury or illness. Law Works can help you understand your policy and advise on whether you have a claim to make.
- Death Benefit: A benefit available to the family members of a deceased with a superannuation policy comprising of the superannuation balance and an insurance benefit, if required on the policy.
These types of claims can be complex and involve dealing with insurance companies or superannuation funds.
Superannuation Claims
- Total and Permanent Disability (TPD): TPD insurance provides a lump sum payment if you are unable to work due to a permanent injury, illness, disability or condition.
- Income Protection (IP): IP insurance provides a replacement income if you are unable to work temporarily due to injury or illness. Law Works can help you understand your policy and advise on whether you have a claim to make.
- Death Benefit: A benefit available to the family members of a deceased with a superannuation policy comprising of the superannuation balance and an insurance benefit, if required on the policy.
These types of claims can be complex and involve dealing with insurance companies or superannuation funds.
Can I make a TPD Claim?
You may be eligible to make a TPD claim if as a result of your injury, illness, disability or condition:
- You have not worked for a period of three or more months; and
- You are unlikely to return to your previous or similar employment; and
- You have a Superannuation Policy with TPD benefit.
Contact Law Works today to investigate your TPD claim and rights.
Steps to Take
In a TPD/Superannuation claim – we must undertake the following steps to successfully claim on your superannuation policy:
- Expert Assessment
We will assess your situation to determine if you are eligible for Total and Permanent Disablement or another benefit under your Superannuation Policy by reviewing your superannuation statement and policy (or policies) and the criteria to be met alongside your personal circumstances. - Claim Preparation
Our experienced Principals will gather the necessary evidence and documentation to support and submit your claim including medical evidence from your treating practitioners and your wage and employment material. - Negotiation
We will make the claim on the fund on your behalf. We will handle all negotiations with insurance companies and superannuation funds on your behalf, advocating for your rights and best interests, and advise you every step of the way. - Appeals and Litigation
If your claim is denied or disputed, we will give you legal advice on the decision and Law Works is prepared to take legal action to appeal the decision or pursue litigation to secure the benefits you deserve.
How Law Works Can Help
Our experienced team is dedicated to advocating for your rights. Here’s how we can assist you:
Expert Legal Guidance
We'll provide you with expert legal advice and guidance tailored to your individual circumstances.
Investigation and Evaluation
We'll thoroughly investigate your superannuation claim to determine the full extent of your benefit and gather relevant medical material to present to the superannuation fund and insurer.
Negotiation with Insurers
We'll handle all communication and negotiation with the superannuation fund and insurer including any disputes that arise.
Frequently Asked Questions
If you are unable to work by reason of injury, illness, condition or disability and you have questions about your benefits under your superannuation policy, call us today at Law Works Compensation Lawyers to schedule a consultation. Let us fight for your rights and help you secure the compensation and justice you deserve.
The duration of your claim can vary depending on factors such as the complexity of your case and the attitude and responsiveness of the insurer or superannuation fund. Majority of TPD claims are finalised within 6-12 months from the time the claim for TPD is made.
Our Lawyers at Law Works will guide you through the process of making a claim, ensuring all necessary forms are completed accurately and supporting documentation is provided. We will handle all communication with the relevant parties to streamline the process and alleviate any stress or confusion to you.
If you have been diagnosed with a terminal illness, you may be eligible to make a TPD claim. Our compassionate lawyers can assist you in navigating this challenging situation and ensuring your claim is handled with the sensitivity and urgency it deserves.
The amount of TPD cover you have will depend on your specific insurance policy or superannuation fund. Our team can review your policy and provide a clear understanding of your coverage and potential entitlements.
Before bringing a TPD or superannuation claim, it’s important to meet the definitions and criteria as outlined in your superannuation policy determined by your superannuation fund. Our team will review your policy and definition and ensure you meet all necessary requirements before proceeding with your claim.
No. Mental health and psychological injuries which have impacted on your ability to work are accepted.
Yes. Contact Law Works today to investigate your claim.
You may be able to make a TPD claim on each of your superannuation policies. The claims will need be made separately. Contact Law Works to investigate your potential benefits.
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