INCOME PROTECTION CLAIMS
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When you’ve been injured, lodging claims and paperwork only makes things worse. At Carbone Lawyers, we manage the whole process so you can just focus on your recovery.
No Win, No Fee
Our no win, no fee policy means that most personal injury claims have no upfront fees.
If you cannot work due to partial or total disability, Income Protection Insurance will continue to pay you a percentage of your pre-tax income for a specified time. Typically, you will get up to 75% of your salary for the term of the policy (usually 2 to 5 years) until you are well enough to return to work or until you reach retirement age – whichever comes first. Your Income Protection policy may also keep up with superannuation contributions while you are off work.
It is important to remember that each Income Protection policy has its definition of partial or total disability. The Carbone Lawyers team includes expert income protection insurance lawyers who will be able to advise you on your eligibility.
Like TPD claims, your injury or illness does not need to be work-related. The success of your claim depends on whether the injury or illness makes you incapable of doing your usual type of work, not how you acquired it.
In most circumstances, you can receive income protection payments and any other benefits from compensation bodies such as WorkCover and TAC. For example, if you’ve been injured in a car accident and can’t work, you may be able to receive TAC compensation and an Income Protection benefit.
Making an Income Protection Claim
Most Income Protection policies have a waiting period of 30 to 90 days before you can make a claim.
Once you’ve lodged a claim with the Superannuation fund or insurer, it will usually be processed in 1 to 3 months.
You will be required to prepare several documents and gather evidence to support your claim, including a report from your treating medical practitioners. In some circumstances, you may need to undergo a medical examination by a doctor nominated by the insurance company. Dealing with insurance companies can be stressful, especially if you’re undergoing treatment for a medical condition. Our team’s experienced Income Protection lawyers can remove the stress and handle the process for you.
Have you had an IP claim declined?
If you have had an Income Protection claim rejected, it’s probably because you haven’t understood the conditions of the policy or failed to provide the proper documents. The team at Carbone Lawyers can review your claim and advise you on your legal options.
Trauma Insurance
Some people choose to take out Trauma or Critical Illness Insurance to provide extra financial security for families or cover financial obligations.
Trauma Insurance covers specific injuries such as head trauma, loss of a limb, loss of hearing or blindness. Or specific illnesses, including heart conditions, neurological disorders, organ failure or transplants, blood diseases, and most types of cancers like melanoma, malignant tumours, leukaemia, and prostate or breast cancer.
Benefits are typically paid as a lump sum to help pay for medical treatment and rehabilitation or to allow you to reduce your work hours so you can focus on your recovery.
Each Trauma Insurance policy has different definitions, terms, and conditions, which an experienced trauma insurance lawyer can help you navigate to ensure a successful outcome.
FAQs on Claiming for Income Protection
How are Income Protection payments calculated?
Income Protection payments are often up to 75% of your pre-disability income, with some policies also including superannuation contributions while you’re unable to work. Factors like average earnings, policy waiting periods, and offsets for other income can all impact this so it’s best to speak to lawyers specialising in these claims to know your options.
Can I claim Income Protection for a psychological condition?
Yes, psychological conditions such as depression, anxiety, PTSD, and others can be covered if they prevent you from working. Coverage varies between policies, and some may have specific exclusions or require additional evidence from medical professionals.
What happens if I return to work part-time while on income protection?
If you return to work part-time, you may still qualify for partial disability payments, adjusted based on your reduced income and policy terms. Start your free claim assessment today and let the experts at Carbone Lawyers help you get the compensation you deserve.
Do I need a Lawyer for Income Protection Claims?
While you don’t need a lawyer to complete your claim, having the help of an expert from the team at Carbone Lawyers can greatly increase your chances of receiving compensation. Our professional and friendly team can assist you in reviewing your policy terms, gathering the necessary documentation, handling communications with insurers, and representing you in disputes or appeals if your claim is denied, don’t settle for less and contact us today.