1. What is TPD insurance?
TPD stands for Total and Permanent Disability, which is an insurance benefit provided by many superannuation funds. The benefit enables you to receive payment in the circumstances where you may become seriously ill or suffer an injury that prevents you from returning to your normal job or any other work related to your training and experience. This lump sum payment can assist with eliminating debts, paying medical expenses and ensuring financial security for continuing lifestyle changes. People are often unaware of their TPD benefits.
2. Types of Super Claims?
- TPD Benefits Claim
- Death Benefits Claim
- Unpaid Super
- Early access to your superannuation
- Income protection
3. Types of Personal Injury Claim?
- Worker’s Compensation
- Motor Vehicle Accidents
- Public Liability Claims (Slip & Falls)
- Medical Negligence
- TPD and Superannuation claims
4. What can I claim for?
If you have a work-related injury or illness, you may be able to claim compensation for lost income, medical expenses, travel expenses, domestic assistance, pain and suffering and permanent impairment.
5. Benefits I’m entitled to?
Your benefits are dependant on the terms of your specific insurance policy. Once we have assessed your personal circumstances and the evidence regarding your policy, we will be able to provide you with the exact amount you can claim. If your claim is successful, a TPD benefit may be substantial and will be paid as a lump sum.
6. How do I make sure I get my full entitlements?
There’s one factor that will ultimately determine how much compensation you receive – and that’s how well your lawyer gets to know you personally. At first glance the consequences of your injuries might seem obvious. But our lawyers will take the time to find out more about you, your family and what your life was like before your accident, to really understand the impact it’s had on your life and successfully claim all the compensation you’re entitled to.
7. Are there Time Limits for making Total and Permanent Disability Claims?
We recommend making your claim as soon as you can as it can become more difficult to “make your case” years after your incident. However, most super funds do not have a time limit in place for claiming insurance benefits.
8. What do I need to make a claim?
To be eligible to make a claim, we will need to review medical evidence validating you meet the criteria for TPD. This evidence will need to show that due to your serious illness or injury, it is unlikely you will be able to work again in your normal or any occupation.
If you have a super policy, your accident or illness occurred within Queensland and resulted in medical treatment, you may also be entitled to personal injury compensation.
9. Do I need a lawyer?
Making a claim can be time consuming and at times complicated. Pursuing a claim with a lawyer by your side not only eases this complex process but ensures that the evidence to support your claim is properly prepared. It also means you are much less likely to experience difficulty with your super fund or insurer and any unreasonable claim requirements.
10. What’s a no win no fee lawyer?
A no win no fee lawyer offers to run your case and only get paid when you win. But it’s important to check the costs agreement to fully understand what’s covered. A no win no fee guarantee covers all our fees and disbursements, excluding defendant costs.
11. What about the costs of running my case?
One of our Legal partners will fund all the costs to prepare and run your case – these are called disbursements. Headed by specialist personal injury lawyers, your lawyer will engage barristers, paralegals, legal secretaries, medico-legal doctors, forensic accountants and rehabilitation providers. They’ll cover the cost of all these specialists for you, and if you don’t win you won’t have to pay us back.
