TPD Insurance Claims

TPD (Total and Permanent Disability) insurance claims can provide vital financial support if you’re unable to work due to illness or injury. These claims are often made through superannuation funds, but can also be part of standalone insurance policies.

To make a successful TPD claim, you’ll need to prove that you’re unable to work in your usual occupation or any job suited to your education, training, or experience. This doesn’t necessarily mean you can’t do any work at all, but rather that you can’t engage in regular, meaningful employment.

Common reasons for TPD claims include severe physical injuries, chronic illnesses, and mental health conditions. It’s important to note that the injury or illness doesn’t have to be work-related.

The claim process typically involves notifying your insurer or super fund, completing claim forms, and providing medical evidence. It’s crucial to be thorough and provide all necessary documentation to support your claim.

While you can lodge a claim yourself, many people choose to seek legal advice due to the complexity of the process. Lawyers specialising in TPD claims can help navigate the paperwork, interpret policy definitions, and advocate on your behalf if your claim is disputed.

Remember, there’s often no time limit for making a TPD claim, so even if you stopped working some time ago, you may still be eligible.

However, it’s generally best to start the process as soon as possible after becoming unable to work.

If successful, TPD claims usually result in a lump sum payment. The amount can vary significantly depending on your policy and circumstances. Make sure you speak with Allan Moore to assist with your claim process during a challenging time.