If you’ve suffered an injury or illness that has left you permanently unable to work, you may be entitled to a Total and Permanent Disability (TPD) payout through your superannuation fund or personal life cover. At Kare Lawyers, we specialise in helping individuals who are dealing with the impact of permanent disability navigate the complexities of TPD claims, ensuring they receive the compensation they deserve.

Whether your TPD insurance is held within your superannuation fund or through a personal life insurance policy, we are here to support you in making a successful claim.

What is TPD Insurance?

Total and Permanent Disability (TPD) insurance is designed to provide financial assistance to individuals who become permanently disabled due to injury or illness and can no longer work. TPD insurance offers a lump sum payout to help with medical expenses, rehabilitation costs, and daily living expenses during this challenging time.

TPD insurance can be held either through your superannuation fund or as part of a personal life insurance policy outside superannuation.

TPD Insurance Held by Superannuation Funds

Superannuation funds often include TPD insurance as part of their default insurance coverage. This means that if you become permanently disabled, you may be eligible to make a TPD claim through your super fund. The payout can provide essential financial support if you are unable to return to work.

Key Features of Superannuation TPD Insurance:

• Part of your super: TPD insurance is often included in your superannuation policy as a default benefit, which means you may already be covered.
• Conditions for claim: To make a successful TPD claim under your superannuation, you typically need to show that your injury or illness leaves you permanently incapable of working in your current job or any other type of work.
• Claim process: Making a claim through super can be more complex, as it often involves submitting the claim through your super fund’s insurer and meeting their eligibility criteria.

The Claims Process for Superannuation TPD Insurance:

1. Review your super policy: Start by reviewing your superannuation policy to confirm that you have TPD insurance and to understand the terms and conditions, including the definition of “total and permanent disability.”
2. Notify your super fund: Inform your super fund that you intend to make a TPD claim. Your super fund will provide the necessary forms and guide you through the claim process.
3. Provide medical evidence: You will need to submit medical reports and other documentation that show the extent of your disability and how it prevents you from working.
4. Claim assessment: The super fund’s insurer will assess your claim, which may involve reviewing your medical history and your ability to work in other occupations. This process can take some time, and additional documentation may be requested.
5. Appeal if necessary: If your claim is denied or if you are dissatisfied with the outcome, you have the right to appeal the decision. Our expert legal team can assist with the appeal process, providing additional evidence or even taking legal action if necessary.

Personal Life Cover TPD Claims

In addition to superannuation, you may have purchased a personal life insurance policy that includes TPD coverage. Personal life insurance policies can offer broader coverage compared to superannuation TPD insurance and may be more flexible in terms of definitions and eligibility criteria.

Key Features of Personal Life Cover TPD Insurance:

• Independent of superannuation: Personal life cover is separate from your superannuation and may offer higher coverage or more comprehensive benefits.
• More flexible criteria: Personal life cover often provides a more flexible definition of “total and permanent disability,” which can increase your chances of a successful claim.
• Lump sum payout: Like superannuation TPD, personal life cover can provide a lump sum payment if your claim is successful, helping to support you and your family.

The Claims Process for Personal Life Cover TPD Insurance:

1. Review your policy: Check your personal life insurance policy to understand your coverage and the terms of TPD insurance. This will include specific definitions of “total and permanent disability.”
2. Notify your insurer: Contact your insurance provider and inform them of your intention to make a claim. They will provide you with the necessary forms and instructions for submitting your claim.
3. Provide medical documentation: As part of the claims process, you’ll need to provide medical evidence that demonstrates the permanent nature of your disability and how it prevents you from working.
4. Claim assessment: The insurer will review your claim and supporting documentation. This may involve additional medical assessments or reports. The insurer will then make a decision regarding your claim.
5. Appeal if necessary: If your personal life cover TPD claim is denied or if the payout is less than expected, you can appeal the decision. Our experienced legal team can help you gather the necessary evidence and support you through the appeal process.

Differences Between Superannuation and Personal Life Cover TPD Claims

While both superannuation and personal life insurance policies can offer TPD coverage, there are key differences in the claims process:

• Coverage and Benefits: Personal life cover may provide higher coverage and more flexible criteria for qualifying for TPD benefits, compared to superannuation-based TPD insurance.
• Claim Process Complexity: TPD claims through superannuation can sometimes be more complex due to the involvement of your super fund’s insurer. Personal life cover claims tend to be more straightforward, as they are directly managed by the insurer.
• Definitions of “Total and Permanent Disability”: Superannuation funds may have stricter definitions of TPD, which can make it more difficult to qualify. Personal life cover policies often have more expansive criteria.

Why Choose Kare Lawyers for Your TPD Claim?

At Kare Lawyers, we have extensive experience in helping clients successfully navigate the complexities of TPD claims, whether through superannuation funds or personal life cover. We understand the challenges involved in proving total and permanent disability, and we are committed to ensuring that you receive the maximum payout you’re entitled to.

Here’s why you should choose us:

• Expert Guidance: Our experienced personal injury lawyers specialise in TPD claims and can help you understand your rights, your eligibility, and the best strategy for making your claim.
• Maximising Your Compensation: We work diligently to ensure that you receive the maximum payout, whether it’s through your superannuation or a personal life insurance policy.
• Tailored Support: Every case is unique. We provide personalised legal services, taking the time to understand your specific situation and providing you with the support you need throughout the claims process.

Contact Us Today

If you’ve become permanently disabled and are unable to work, don’t wait to find out whether you’re entitled to a TPD payout through your superannuation or personal life insurance policy. Our team is here to guide you through the claims process and help you get the compensation you deserve.

Call us at 07 3193 9911 or fill out our online contact form to arrange a free, no-obligation consultation. We’re ready to help you take the first step toward securing your financial future.