When most people talk about permanent disabilities, they usually imagine physical disabilities which are easy to identify and characterise.
Unfortunately, as a society, our awareness of mental illness is still developing, and psychological disabilities are often overlooked. With mental illness on the rise, the number of permanent disability claims that involve debilitating anxiety and mood disorders is also increasing.
New data from the Financial Services Council and KPMG Australia has found that 24.1% of total permanent disability (TPD) claims are directly related to mental health conditions.
Here we explain the process and requirements for making a TPD claim for mental illness.
What is TPD?
If you have a superannuation account, you may have TPD cover. TPD insurance is designed to pay a lump sum benefit where a person cannot work within their previous education, training, or experience because of an injury or illness.
If you’re unsure if TPD has been included in your superannuation policy, or you would like to know more, you can get in touch with your super fund or read your product disclosure statement (PDS).
TPD claims on the ground of mental illness
Lodging a TPD claim for mental illness can be challenging, but possible with the right legal advice.
Claimable mental conditions for total permanent disability insurance can include:
- Clinically diagnosed depression
- Post-traumatic stress disorder (PTSD)
- Mood disorders
- Severe anxiety
- Severe stress
When it comes to making a claim for mental illness, establishing a condition can be challenging due to the sometimes, unseen nature of the symptoms. This type of claim requires a precise approach that firmly establishes your case and having the right legal advice on your side is important.
A good personal injury lawyer will have the experience to gather the necessary evidence to ensure that your case is well presented.
At Stephen Browne Personal Injury Lawyers, we will ensure your TPD claim is pursued effectively while shielding you from the stress of managing the various requirements of the legal process.
Factors to consider before lodging a TPD claim for mental illness
Before making a TPD claim for mental illness, we recommend considering the following factors:
- Are you under the care of a healthcare professional who can verify and support your claim?
- What kind of treatment are you receiving for your condition?
- Is your condition permanent?
- What impact does your condition have on your ability to function at your current workplace?
- Can your place of work accommodate your requirements?
- Were you employed at your current place of work for at least 12 months before your diagnosis?
- Are you able to return to work within your previous education, training, and employment?
- Do you have superannuation?
The Australian government does its best to provide a safety net for individuals who cannot continue employment due to mental illness and injury.
TPD claims for depression in Western Australia
TPD claims for depression require a higher standard of evidence and are strongly disputed by insurance companies looking to reduce their liability.
However, with the right legal counsel by your side, you can greatly boost your chances of getting the claim approved.
At Stephen Browne Personal Injury Lawyers, we take great pride in our track record of successful TPD cases.
Contact us today for an obligation-free conversation about your case.