TOTAL AND PERMANENT DISABILITY 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.
Total and Permanent Disability (TPD) insurance provides financial security for you and your family if you can’t work due to becoming totally and permanently disabled because of an illness or injury. The benefit is usually paid as a one-off lump-sum payment to help pay for medical costs, rehabilitation, debts and your future cost of living.
TDP superannuation claims are different to compensation claims. You don’t need to prove that the accident or illness happened at work or resulted from negligence. However, you must show how the injury or illness has significantly impacted your ability to carry out your regular occupation or any other job to which you may be suited based on your education, training and experience.
Engaging an experienced TPD lawyer is highly recommended to navigate the complexities of TPD claims.
You may qualify for a TPD lump sum payment if you meet any or all of these criteria due to sickness or injury:
- You’re unlikely to work in your occupation ever again
- You’re unlikely to work in any occupation again
- You’re unlikely to perform domestic duties ever again
- Permanent loss of your functional capacity
- Significant impairment to your whole body
- Loss of limbs and/or vision
- You’re unable to look after yourself ever again (activities of daily living)
- Permanent loss of intellectual capacity
If you are unsure about eligibility for you or your loved one, speak to the expert TPD insurance lawyers at Carbone Lawyers.
How much will I receive?
Your annual superannuation member benefit statement should show the amount you are covered for. It will usually range from tens to hundreds of thousands of dollars. However, the terms and definitions of each policy are different and making a claim can be a complex and challenging process.
Note: TPD benefits are usually not affected by any other claims for compensation such as WorkCover or TAC claims.
Our experienced TPD claim lawyers will help you determine your eligibility and ensure you get your full entitlements.
Making a TPD Insurance Claim
Superannuation funds and insurers are notoriously tricky and stressful to deal with. Their staff are trained to find reasons not to make a payout. By contrast, our team of TPD Insurance Lawyers will strive to make the process as easy as possible. They will help you prepare supporting documents such as expert medical opinion and other evidence to support your claim. They are also experienced in dealing with superannuation funds and insurers on behalf of clients when a decision is made adverse to your interests.
Carbone Lawyers will always give you a realistic estimate of how long the claim will take based on your circumstances and keep you informed along the way.
Have you had a TPD claim declined?
If you have been unsuccessful in your claim, our Superannuation TPD lawyers at Carbone Lawyers can help. This includes if you’ve used another law firm to make the claim.
There are several options available for disputing a declined claim from applying to the fund or insurer for reconsideration, going to the Australian Financial Complaint’s Authority or initiating court proceedings.
Strict time limits apply, so acting as soon as possible is vital.
No Win No Fee
Carbone Lawyers offers a no win, no fee option for superannuation insurance claims. This means you will only pay if your case is successful.
For a free TPD claim assessment, please speak to one of our experienced TPD lawyers today.
FAQs for Total and Permanent Disability (TPD) Claims
How can changing jobs or reducing hours affect my TPD claim?
Changes in jobs, hours, or duties can impact your TPD claim because they affect how your ability to work is assessed. If you plan to make a claim, it’s crucial to get legal advice to understand these effects. Contact our friendly team for a free claim assessment to ensure you’re getting the compensation you deserve when making changes to your employment.
What evidence is required to support a TPD claim?
Supporting a TPD claim typically requires medical reports, proof of ongoing treatment, and documents showing your inability to work. Carbone Lawyers can assist in gathering and preparing the necessary evidence, call us today to get started on your claim.
How are TPD benefits taxed, and do they affect Centrelink payments?
TPD benefits from superannuation funds may be taxed at a concessional rate and can affect Centrelink payments. You might be able to manage the tax impact by transferring part of the lump sum into a superannuation fund, we recommend contacting the team at Carbone Lawyers to maximise your compensation.
Can I make more than one TPD claim?
Yes, multiple TPD claims are possible if you have several superannuation accounts with TPD coverage. Making more than one claim can be complex, reach out to Carbone Lawyers for expert legal advice and the best chance at securing the compensation you deserve.
Can self-employed individuals make a TPD claim?
If they have an active superannuation account with TPD insurance, self-employed individuals can absolutely make a TPD claim. Get started with a free claims assessment from Carbone Lawyers today.