Our purpose is to help Australians claim their superannuation TPD benefits and raise awareness about this little known insurance benefit.
Physical Injuries do not need to be linked to a work accident like a workers compensation claim. There is no requirement to prove how an injury happened whether it be in a car accident, a slip and fall in a shopping centre or at home for a TPD claim.
The fact you have a physical injury and it prevents you from working is acceptable. It’s important that your injuries are documented or treated by a GP. But we are still able to have you assessed if you have not been a regular visitor to doctors over your life.
A common error GP’s make is to opine you can be retrained or return to a less physically demanding job in a different field.
The easiest way to explain this misconception is through the brick layer example. A man has been a bricklayer his whole life. He injures his back and can no longer bend over or carry weight. His GP writes to the superfund saying his patient can work in a call centre or in an office where he can sit idle without aggravating his injuries.
It may be true that he can retrain and that the brick layer is capable of this. But it has no bearing on the TPD assessment and ruins any chances of the bricklayer making a successful TPD insurance claim.
Avoid GP’s who work with work cover as often the possibility of returning to work in the future is always 100% and your TPD claim will not go anywhere. In this case, it’s best to double check via our TPD insurance helpline to get the most reliable advice.
Mental illness in all walks of life struggles to be recognised with certainty due to its invisible and sometimes enigmatic nature (one day you feel well and the next you’re at your lowest). Insurance companies and superannuation funds feast on this uncertainty and the possibility of recovery.
The sometimes drawn out process in TPD insurance claims and the need to attend psychologists and psychiatrists play a role in almost everyone turning you away when it comes to supporting a TPD claim. Doctors can be reluctant to sign off due to the possibility of recovery and solicitors refuse to get involved due to all of the above.
TPD Helpline Australia is a beacon of light for those suffering from depression, anxiety, PTSD or other psychological issues. We understand the nature of psychological injuries and TPD claims and the everyday struggle.
Applicants with specific health conditions and illnesses find it difficult to get a GP to support their total and permanent disability insurance claims. The likelihood of recovery, if your illness is not terminal, is usually a hurdle too high for most GP’s and specialists, with little TPD experience, to overcome.
This is simply due to the doctor not being aware of the proper guidelines. We liaise with your various doctors, sharing with them key criteria on how they need to view your claim as well as providing them with an overview of your TPD insurance claim.
There are various specific illnesses and health conditions sometimes referred to as ‘critical illnesses’ which some superfunds list in their policies.
Retail life insurance is cover purchased directly from an insurance provider with the help of a financial / insurance adviser. You would be aware that you have this cover as your premiums are higher. When securing retail life insurance cover, the insurer will need to review your medical records to provide you with the appropriate cover based on your previous and current medical conditions. Certain health conditions may be excluded from your cover and it’s vital you review this with your financial adviser before moving forward to know under which conditions you’re covered and not covered for. Claim assessments under retail life insurance differ from the usual superannuation TPD insurance claims.
Insurance of this nature covers a portion of your monthly salary usually for up to two years or up until you reach retirement age (65). For a total and permanent disability insurance assessment to take place, the superfund will require medical records and payslips and/or bank statements. We can run an income protection claim alongside a TPD claim.
TPD Helpline Australia can be contacted on 1300 679 222. Our helpline reps are well versed in all things related to TPD claims, injury compensation claims, health conditions, illnesses and injuries whether sustained at work or not. If there is an issue we can’t answer over the phone, we have access to a mountain of resources so that we can call you back within the day to provide answers.
Due to time differences across states, we recommend leaving a voicemail if your call is not answered. We promise to return your call within the day taking note of time differences. Our phone helpline is manned Monday to Friday, 8.30am – 5.00pm (AEST). Our Facebook social media page is manned 7 days a week and we respond to direct messages quickly. In fact, most of our enquiries come via Facebook private chat.
