Total and Permanent Disability (TPD) insurance can be complicated. Still, the bottom line is you may be eligible to claim your lump sum benefit if an illness, injury or accident means you are unable to work.
Conditions That May Qualify for TPD Claims
Some key examples of conditions that may qualify for TPD claims include:
- Heart disease
- Multiple sclerosis
- Stroke
- Mental health conditions (depression, anxiety, etc.)
- Cancer
- Autoimmune diseases
Understanding TPD Insurance Definitions
However, the TPD insurance definitions available through superannuation funds or privately will vary. Some examples of Total Permanent Disability coverage only provide a payout if you cannot work in any capacity. Therefore, while you might be granted a payout from such a Total Permanent Disability policy, it probably won’t be enough to see you through the rest of your life.
Eligibility for Total Permanent Disability Claims
If you have Total Permanent Disability insurance with sufficient coverage in your superannuation fund, which covers you in the event of Total Permanent Disability (an illness or injury that prevents you from continuing in your trained and experienced position), you may be eligible to receive a substantial lump sum payout through a Total Permanent Disability claim.
Claiming for Mental Health Injuries
It’s worth noting that claiming for psychological or mental health injuries may sometimes be a bit harder than for physical injuries or other illnesses. But with enough of the right documentation and the right lawyer, you can claim a Total Permanent Disability with more likelihood of success.
Evidence Required for TPD Claims
Whatever your situation, Total Permanent Disability (TPD) claims need an in-depth medical history, with good examples of your injury or illness, doctor’s notes outlining your diagnosis, medical expenses and treatment, and level of disability. You need examples of how you cannot work and solid evidence about how you sustained your injury or illness.
How the TPD Helpline Can Assist You
This is where the TPD Helpline can serve you, providing information on what the lawyers will need to pursue your Total Permanent Disability claim and succeed in winning you a sufficient payout.
Total Permanent Disability And Workers’ Compensation
You may still claim TPD if you were granted workers’ compensation due to a work-related injury. But be aware that if you receive a compensation payment from your employer’s insurance, it will have an impact on any TPD claim or payout you may receive.
Importance of Seeking Legal Assistance
This is why it’s essential to contact the TPD Helpline to assist in finding the right lawyers to get expert medical evidence to help you make an appropriate claim with an appropriate organisation.
Total Permanent Disability Insurance Case Studies & Examples
Common TPD claims come from jobs that require intense physical exertion, such as mechanics or truck drivers. Similarly, stress injuries can occur in industries known as high-stress or high-powered industries, such as those in the corporate world, hospitals and the media.
Likelihood of a Successful TPD Claim
If this is you, a claim for Total Permanent Disability is likely to be successful. If you have ended up with any serious injury, illness or autoimmune disorder made worse by stress, your Total Permanent Disability claim may be successful, so get legal advice.
Physical Injury TPD Claim Example
Mr A, a 34-year-old male wardsman in a hospital operating theatre, suffered a lower back injury and made a Total Permanent Disability claim.
Details of the Case
Mr A had worked in the hospital for 10 years, and his duties included moving anaesthetised patients (who are heavier and harder to move than conscious ones) to and from specialist operating tables.
On one occasion, Mr A was moving a patient for rushed emergency surgery when he suddenly fell to the floor in agony and could not move due to a serious back injury. His injury meant he could not work again, and with a work history that included examples of physical roles in the Navy and as a truck driver, he was now precluded from working within his own occupation, education, training or experience.
Multiple TPD Claims
This client had two super funds and claimed Total Permanent Disability on both, providing a payout.
Mental Health TPD Claim Example
Ms B, a 52-year-old journalist, worked in a stressful media environment where she suffered a psychological injury and made a Total Permanent Disability claim.
Background of the Case
Ms B had a long career in the media, but a new editor continually bullied and sexually harassed her to the point where her work suffered as a result. This led to a serious depression and anxiety disorder with agoraphobia and chronic fatigue. She had to cease work due to the severity of her symptoms. After lodging a claim independently, her employer’s insurer declined it, so she sought assistance from the TPD Helpline.
Successful Outcome with Legal Assistance
With the help of an excellent lawyer, Ms B disputed the decision and submitted clear and concise evidence and documentation from medical experts. The insurer agreed that she fitted the criteria for Total and Permanent Disability and paid her the full TPD benefit.
You Need a Good Lawyer to Claim Total Permanent Disability
By contacting the TPD Helpline, we can support you with information about the process of making a TPD claim and give you examples of successful cases from the past.
Increasing Your Chances of a Successful Claim
We will put you in touch with the best lawyers well-versed in Total Permanent Disability insurance and the intricacies of making a successful Total Permanent Disability claim. This increases your chances of a successful claim since a lawyer will ensure you have enough examples of your disability and supporting evidence before you begin the Total Permanent Disability claims process.
Dealing with the Stress of a TPD Claim
When you’re dealing with an injury or illness, the last thing you need is the further stress of making a total and permanent disability insurance claim. The possible lengthy and exhausting process of an investigation by your employer’s insurer into how your injury or illness occurred can be stressful.
Call the TPD Helpline Today
At the TPD Helpline, we listen with compassion and understanding when you call us for help and advice about a Total Permanent Disability claim. We provide timely, relevant advice on how you should proceed in finding the right legal help for a successful outcome.
Contact Us for Assistance
Contact the TPD Helpline today at 1300 679 222 or email tpdhelpline@gmail.com.
