TPD claim insurance is a type of insurance that permits you to the benefit if you are deemed by one to two doctors as being totally and permanently incapacitated from being able to work. Each claim is dependent on the superannuation policy as each one is different. However generally it does not matter what health condition or injury it is that prevents you from being able to work. TPD lawyers can assist you in claiming your insurance benefit.
What is total and permanent disability – TPD?
When you establish that you are unable to work in your regular or any other vocation, depending on your policy, due to a physical impairment, mental disability, or illness, you will be regarded to have a total and permanent disability (TPD). Depending on your insurance coverage, you may still be eligible to make a claim if you can be retrained to work in a different field in the future.
Key steps of making a TPD claim
To find out if you are entitled to make a TPD claim,
- Contact your superannuation fund(s) and request your superannuation insurance policy.
- You must demonstrate that you are permanently unsuited for your ordinary profession, or any alternative occupation for which you are qualified based on your education, training, and experience, depending on the policy.
- You will need to provide medical evidence, such as medical reports from physicians, information of your work history, payslips, tax returns, or medical reports, among other things.
The time it takes for a TPD claim to be processed
A decision on a Total and Permanent Disablement claim is normally made within 3 – 6 months of all supporting paperwork being submitted. In other cases, such as when you are suffering from a fatal disease, the choice would usually be made much sooner. In rare cases, if the superannuation fund does not have all the necessary documentation and is unable to make a decision until such time, the decision may be delayed. If you have made a TPD claim and have been waiting for a decision for more than three months, contact TPD lawyers to find out why.
Medical evidence is required to support your TPD claim. You should also double-check the policy and make sure doctors and other medical professionals are aware of the term. You should also tell your doctor if there are any additional obstacles that are stopping you from working. You may also need to submit your education, training, and work history to show what your previous experience is and that you are unable to do any past occupations that the superannuation fund could consider fit for you after the accident.
Could a TPD claim be refused?
TPD claims can be denied for a variety of reasons, including but not limited to:
- Have an inactive or invalid policy
- Haven’t supplied persuasive medical evidence to support your tpd claim
- Haven’t satisfied work history criteria
- Fail to disclose pre-existing injuries
- Lack of convincing medical evidence to support the tpd claim
Remember that your insurer’s policy, circumstances, and medical evidence all play a role in these explanations. They might not be completely correct in relation to your claim. Even if you believe you have submitted all the evidence you can, it may not be enough for your insurer to approve your claim.
Let’s say the TPD claim is denied. What can be done?
If you find yourself in this circumstance, TPD lawyers can assist you in navigating and understanding the process in a clear and straightforward manner.
Superannuation funds make mistakes from time to time, and you have the right to ask them to reconsider their decision. You can file a formal complaint with your insurance or superannuation provider to request a review if you believe the final decision on your claim was made unjustly. You can also submit a complaint with the financial ombudsman agency or the industry tribunal.
What kind of proof do I need to support my TPD claim?
To support your TPD claim, you must show medical evidence. You should also check the policy and make sure you understand what the policy means and how it fits into your circumstances. You should also tell your doctor if there are any additional obstacles that are stopping you from working.