TPD Claims

What is TPD Insurance?

Total and Permanent Disability or TPD insurance benefit is coverage provided by many superannuation funds, also referred to as a disability insurance benefit.

TPD coverage commonly provides financial benefits to those who are no longer able to work in their usual occupation or any other occupation they are reasonably suited to due to mental or physical disability or ill health.

This insurance cover, if provided under your superannuation, is a benefit additional to the contributions that you and/or your employer have made to your superannuation fund during the period of your membership. Most people are unaware or forget that this insurance cover is in place.

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No win no fee means that you will not be liable to pay legal costs unless your case is successful.

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What does TPD insurance cover?

TPD insurance pays a lump sum if you become totally and permanently disabled because of illness or injury.

Each insurer has a different definition of what it means to be totally and permanently disabled. It can cover you for either:

Your own occupation — you’re unable to work again in the job you were working in before your disability. This cover is more expensive and is usually only available outside super.
Any occupation — you’re unable to ever work again in any job suited to your education, training or experience. This cover is cheaper but has a higher threshold to claim, so it’s less likely to pay out.

Read the Product Disclosure Statement (PDS) so you know how your insurer defines a total and permanent disability.

How much is the TPD benefit?

In terms of the amount that may be recovered, this will depend on the type of insurance cover you have and how much you are insured for.

Depending on the terms of the insurance cover, a TPD benefit may be significant and may help ease the financial burden you face during the difficult times that follow a disability. If you have a successful claim, a Total and Permanent Disability insurance benefit is paid as a lump sum.

How do I make a claim?

To lodge a successful TPD claim, specific steps need to be taken. These will depend on the super fund or insurance company you are with, and whether or not your cover falls inside your super policy.

The process of submitting a claim and receiving your benefit can be lengthy, so it’s recommended you seek appropriate legal advice to ensure you receive the full range of benefits you are entitled to. If you have a rejected TPD claim don’t give up hope, contact our team today for an obligation free discussion to see if we can assist.

Getting started is easy and it’s free to check whether you are eligible to claim.

Start your claim now

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