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 take up another type of 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 vitally important you check all of your documents carefully – and the best policy is to give us a call today on 1800 960 096. Our total permanent disability dispute lawyers are waiting to advise you about your claim.
By defailt 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 on 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 may be able to help you to 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 might 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 960 096 today. We know that taking care of your family means everything to you, and we are here when you need a little help with that.
When you engage the services of Kingsley Lawson Lawyers, we can assist on a No Win, No Fee basis. We believe that when you need to make a TPD or death benefits claim, your financial situation should be no barrier to your rights.
If your claim is successful, charges will be based on the work required to win the case. There are no fees to pay so long as you attend to things we need so we can progress your claim until your claim is successful. The costs total will depend on the work required to resolve your case, but we can review your situation and give an estimate that will generally be very accurate unless something unforeseen occurs.
Our insurance claim lawyers help many people just like you, and we know that TPD and Death Benefits claims come at an already difficult point in your life. We promise 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.
Different superannuation funds and the various insurers all have their own slightly different rules and define TPD uniquely, so it is crucial you get the right advice. We have a wealth of experience in the field, and our dedicated experts will quickly identify your policy along with what is needed to resolve your case quickly.
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 the request to be invalid. 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 will assess and guide, evaluating the options for challenging the decision.
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 super claims lawyers and TPD experts. We aim to get your life moving again, and we will do all that we can to help.
It is vital that you have access to specialist TPD claims solicitors to ensure that you have the best chance of a successful claim, especially as policies and super funds differ. Call 1800 960 096 today. We know super and life insurance. We have successfully challenged insurer and super fund denials and helped thousands of Australians with TPD, and Death Benefit claims.