This blog will help you understand the pros and cons of using a lawyer to help you make a TPD claim through your superannuation fund.

If you would like to read more closely about what TPD claims are, please go through to this page on the What’s My Claim Worth site. 

Can you make a TPD Claim without legal help?

Yes, you can. However, we wouldn’t recommend it. While TPD insurance companies advertise the claims process as an easy one, there are plenty of hoops to jump through, a lot of paperwork to complete and other lawyers to deal with. The insurance industry is notorious for making TPD claims really hard to process, with their lawyers advising on the best way to deal with claims. As a result, What’s My Claim Worth always recommends seeing if a lawyer can help you with your claim. 

What are the risks of making a TPD claim without a lawyer? 

There are lots of issues with making a claim without proper legal representation or advice, including the fact that many super funds and insurance companies have their own definition of TPD. This means that they have their own requirements, based on their own policies. For example, with one insurance firm, it could be that you have to prove that you will never work again, but for another, you would have to prove that it is merely unlikely that you would be able to work again. 

Another risk in making a TPD claim without a lawyer is that you may make a mistake in the paperwork which can have a direct impact on your claim, and may even get the entire case dismissed. Some claims are known to exceed 30 pages in length, and the amount of paperwork and processes can be overwhelming. Sometimes, the insurance companies can even delay your claims process because they know you do not have legal help with your claims dispute. This is why we recommend always using a lawyer when considering making a Total and Permanent Disability claim. 

Why we recommend using a lawyer to help with your TPD claim

  • Firstly, we recommend using a lawyer to help with your TPD claim as there is no universal definition of TPD. Instead of TPD being governed by state or federal law, it is based on the individual insurance or superannuation provider’s definition. This makes it difficult for someone not practiced in law to understand the changes in policies that could affect the outcome of your case. Lawyers are trained and dedicated to understanding the different aspects of TPD claims and can often help get the best outcome possible for you on a no-win, no-fee basis. 
  • From the get-go, the lawyers and claims specialists at What’s My Claim Worth will be able to advise you if you should pursue a claim as well as your rights to make this TPD claim. We can connect you with some of the best lawyers around Australia experienced in dealing with the different types of super funds and insurance policies. They know and understand what evidence and documentation is needed to give you the outcome you want for your TPD claim. This gives you the best chance to win your TPD claim and get the money you need.
  • What’s My Claim Worth are not lawyers, but we do know the best of the best when it comes to claims law. They understand all the technical talk and jargon, which means they are your best chance of winning your TPD claim. They will be able to talk you through all of the documents so that you understand exactly what your rights are, what you can claim, and how the process works. You won’t be left feeling confused or unsure. 
  • What’s My Claim Worth partners with exceptional lawyers, all of whom are fully capable of ensuring all documents are filed correctly and in accordance with each tight deadline common with TPD claims. The paperwork and deadlines can be overwhelming, which is why we think it’s best that you always consult with a lawyer and have legal aid throughout the TPD claims process. Plus, if your TPD claim has to go to court, you will have the best team on your side every step of the way. While the lawyers will strive to keep your case outside of court, it’s important to note that this isn’t always possible. 

Ultimately, deciding whether to use a lawyer to make your TPD claim is your decision. We can only give our best advice and recommendations. Each case that goes through What’s My Claim Worth will get you connected with the best lawyers to fight your TPD claim. For the best outcome, within the quickest time frame, we recommend using a lawyer for your TPD claim.