Published 27 Jan 2015
Our client was insured for Total and Permanent Disability (TPD) in the amount of $300,000.00, but had been rejected by the insurer. Our client had fallenl and significantly injured his back at his home, but despite clear evidence that he had a severe back injury and was unable to perform his job as a result, the injurer rejecting his claim by hiding behind a technicality.
The insurance company claimed that the insurance did not cover the back and rejected the claim after dragging out the matter for 2 years using delay tactics and placing undue pressure on our client.
Our client contacted Gerard Malouf & Partners Superannuation Lawyers for assistance and at that time the financial and personal situation for him had become urgently critical. He had no income as he was unable to work and as he was injured at home receive any other compensation.
Our Superannuation Lawyers placed faith in our client’s TPD claim and proceeded quickly with decisive action to put pressure on the insurer. After detailed investigations we were able to prove that our client had developed depression as a result of his injury and suffered the severe side effects of taking anti-depression medication. These conditions caused severe disabilities to our client.
We requested full payment of the $300,000.00 benefit, preparing detailed evidence showing our client’s disabilities were clearly covered by the insurance. The insurer caved quickly in light of the overwhelming evidence and pressure, paying the full insured amount.
Insurance companies have increasingly tried to evade their responsibilities to pay for injuries and illnesses by hiding behind technicalities in their insurance policies and using delaying tactics. We have the expertise help our clients fight back and act quickly to secure their legal rights.
If you are intending to make a TPD claim or are currently facing difficulties please do not hesitate to contact our Superannuation Lawyers for a free consultation.