Published 13 Jan 2015
A partial disability can prevent an individual from performing their job at the same level to which they were previously able. This creates significant problems when the disability is permanent.
Disabilities can be psychological or physical, which means many different problems are covered, including mental health issues, illnesses such as cancer and heart conditions, and musculoskeletal disorders.
People suffering from a partial disability may be entitled to benefits under an insurance policy. There are various insurance policies aimed at providing financial support for those who are unable to work due to an accident or illness.
Superannuation policies also often have clauses that cover partial and total permanent disabilities.
What is involved in a partial disability claim?
Finding out whether or not you are eligible for a benefit will often depend on the wording of your specific policy - so it's always a good idea to check insurance documents carefully.
Partial and total disabilities differ in that the latter usually means an individual is never able to return to the workplace due to the severity of the injury or condition. However, people can often continue in their role in some capacity after a recovery period.
Depending on the policy, a worker will typically need to be classified as totally disabled for a certain period of time before making a claim.
The policyholder will often receive benefits as if they have a total disability until a medical practitioner diagnoses them as partially disabled. In most cases, this will lead to a reduction in the benefits paid.
How do I make a claim?
The claims process can be long and complex, especially if the injury or illness is difficult to diagnose or particularly serious.
Finding a superannuation lawyer that specialises in insurance benefits cases helps ensure claimants get the best possible outcome, as they have years of experience dealing with similar situations.
Receiving a payout can significantly ease the financial and mental burden a household experiences following an accident or illness that requires time away from the workplace.
Get in touch with our no-win, no-fee lawyers today to learn what steps to take to have the best chance of launching a successful case.