Total and Permanent Disability (TPD) claims 2019-10-24T23:26:08+00:00

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Total and Permanent Disability Claims – Personal Injury Lawyers

If you have suffered an injury or an illness which has caused you to stop work or reduce your hours of work, you may be entitled to disability insurance. These types of disability insurances are commonly known as ‘Total and Permanent Disability’ and ‘Total and Temporary Disability’ (also known as Income Protection and Salary Continuance).

You may also be entitled to a disability insurance claim if you have been diagnosed with a critical illness, terminal illness or if you loved one have passed away. These types of disability insurances are commonly known as ‘Life’ insurance (also known as Terminal Illness, Death and Trauma insurance).

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What is Total and Permanent Disability insurance?

Total and Permanent Disablement insurance is a type of disability insurance which provides a lump sum payment where a person, because of an injury or an illness, is permanently prevented from returning to work within their education, training, or experience. The injury or illness does not have to be caused within the workplace.

What is Total and Temporary Disability insurance?

Total and Temporary Disablement insurance is a type of disability insurance which provides a monthly payment where a person, because of an injury or an illness, is prevented from returning to work within their usual occupation, including if they have had to reduce their usual hours of work. The injury or illness does not have to be caused within the workplace.

What is Life insurance?

Life insurance is a type of disability insurance which provides a lump sum payment where a person is diagnosed with a critical or terminal illness, or dies.

How do I know if I have disability insurance?

Disability insurance is most commonly found through your superannuation fund, however it may also be found outside of super under an individual insurance plan, for example, a plan arranged by you, your bank or financial advisor, or arranged by your employer under an Enterprise Bargaining Agreement.

You can contact us for a free, non-obligatory investigation into your disability insurance entitlements.

Am I eligible to claim disability insurance?

Whether you are eligible to make a claim for disability insurance depends on the specific wording on your insurance policy and your individual circumstances. A copy of your insurance policy can be requested from your Superannuation Fund or Insurer, or you can contact us to conduct a free, non-obligatory investigation into your disability insurance entitlements.

Do I need a Lawyer to make a disability insurance claim?

No. However, the process of lodging a disability insurance claim and receiving a successful decision can be drawn-out and complex process because of the extensive nature of terms and conditions found within insurance policies. By obtaining legal representation you will receive advice appropriate to your individual circumstances to ensure that you obtain the full benefits you are entitled to.

Why our Clients Choose Us?

We are experts in Total and Permanent Disability insurance claims and will make sure you get every single dollar and entitlements you are entitled to.

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