If you’ve become injured or unwell and have had to stop working permanently, you may be eligible to make a TPD claim – which you may also have heard referred to as superannuation claims. Total and Permanent Disability insurance exists to provide a lump sum payment if you can no longer work in your usual occupation, and your injuries or illness mean you’re also unable to undertake alternative employment.
When you call our TPD insurance solicitors for advice, they will take additional factors into account in assessing your eligibility for a claim, such as your qualifications, experience, and training. If you have become unwell or injured, do not worry if you have not got a TPD-specific insurance policy. Insurance for TPD sometimes exists as a stand-alone policy, but it can also form part of your superannuation.People do not always know that they have TPD insurance, so it is important to carefully check your superannuation statements – and the best policy is to give us a call today on 1800 96 00 96. Our Total and Permanent Disability dispute lawyers are waiting for your call.
By default in Australia most superannuation funds offer life insurance – which is also often referred to as death benefits. This type of compensation is designed to provide financially for your dependants and loved ones if you pass away. The emotional effect of a family death can be devastating, and that is often made worse if the deceased was relied upon as a provider too.
In some cases, it is possible to claim death benefits while you are still alive – for instance, if you have a terminal illness. If you are the dependant of someone who has passed, we can help you secure your entitlement of all or part of their super contributions, and any associated death benefits. If you were either wholly or partly reliant on the deceased financially, you may be entitled to make a claim.
For a broad range of advice about death benefits, please don’t hesitate to call our friendly TPD and death benefits team on 1800 96 00 96 today.
We believe that when you need to make a TPD or death benefits claim, your financial situation should be no barrier to pursuing your rights. It is for this reason that when you engage the services of Kingsley Lawson Lawyers, we can assist on a No Win, No Fee basis.
No win, No fee costs agreements mean there are no upfront fees payable by our clients. The total amount of legal costs in each matter will depend upon the work required to resolve your case, but we can review your situation and give an estimate that will generally be accurate unless something unforeseen occurs.
Our lawyers help many people just like you, and we know that TPD and Death Benefits claims come at an already difficult time in your life. We guarantee to quickly review your policy so that we can determine your eligibility and complete your claim with as little additional stress as possible. We will also endeavour to assist you with arranging any supporting material the insurer requires – such as employer statements and medical reports.
Superannuation funds and insurers have their own rules and definitions of what constitutes TPD, so it is crucial you get the right advice early. We always recommend seeking advice before a claim is lodged so the claim is properly prepared and has the best chance of success. We have a wealth of experience in the field, and our dedicated experts will quickly interpret your policy along with what is needed to resolve your claim in a timely manner.
Once your TPD claim is prepared and lodged, in most cases, the insurer will request that you be examined by its own medical expert. At this point, the insurer may also request additional information. They will then assess your claim and decide either to accept or deny it.
A TPD claim can be rejected for various technical reasons. Some claims are denied because the insurer’s interpretation of the terms of the policy means they consider you do not fulfil their definition of TPD, in other words they may argue you are not “totally” or “permanently” disabled. One way the insurer argues this is by obtaining medical opinion which states you have some, even a limited, capacity to return to work (hence not totally disabled), or you could return to work at some point in the future (hence not permanently disabled). Cases like this are often a result of discrepancies between medical reports and the exact wording of the policy. In cases where your claim is denied by the insurer our lawyers have vast experience challenging the decision and even proceeding to court if the circumstances warrant it.
At Kingsley Lawson Lawyers we know how vital TPD and death benefits can be for families at the most difficult of times, that’s why we have a specialist team of superannuation claims lawyers and TPD experts. We aim to get your life back on track again and we will do all that we can to achieve this.
It is vital to have access to specialist TPD claims solicitors to ensure you have the best chance of success, especially as policies and super funds differ. We have successfully challenged insurer and super fund denials and helped countless Australians with TPD and Death Benefit claims so call us today on 1800 96 00 96 to find out how we can help you.