Published 08 Sep 2015
Total and permanent disability (TPD) claims are important for people who have suffered a serious injury or developed a severe mental condition that prevents them from returning to the workplace.
While TPDs don't necessarily have to occur on the job, some individuals are more at risk of sustaining a disability due to their profession. Police officers, for example, are often exposed to physical and psychological risks.
Not only can a police officer be hurt in the line of duty, they may also see traumatic events, such as car accidents and violent crimes. Some officers may develop post-traumatic stress disorder (PTSD) as a result.
Unfortunately, while serious injuries and mental conditions such as PTSD are often covered under a superannuation or insurance policy, insurers may delay or even refuse to pay out compensation.
This can be extremely frustrating for people with legitimate claims, especially when many are relying on these payments for financial security. Living costs, medical bills and ongoing care or support needs are just some of the expenses someone with a TPD may require.
In certain cases, police officers may have to wait in excess of two years to be assessed for compensation. During this time, insurers often conduct surveillance on individuals in an effort to discredit their claims.
Contacting a TPD claims lawyer
If you believe your TPD claim has been held up or rejected unfairly, getting in touch with an experienced compensation lawyer can help resolve the problem.
A seasoned law firm will be familiar with the tactics insurers use to assess claimants and can advise you on the best way to proceed with your case. At Gerard Malouf & Partners (GMP), we recognise the difficulties police officers can face when making a TPD claim in NSW.
As such, we make every effort to ensure your case is handled with patience and compassion. We will gather evidence on your behalf and fight your corner in court if the claim makes it before a judge.
Furthermore, our no-win, no-fee guarantee means you won't need to pay legal costs until a decision is awarded in your favour. This enables you to concentrate on winning your case without worrying about the ongoing financial repercussions of pursuing a claim.
Are you a police officer considering making a TPD claim? Please contact your local GMP branch today to learn more about what we can do to help.