TPD claims: Australia's most dangerous jobs

Published 20 Oct 2014

Total and permanent disability (TPD) claims can ensure that people are financially protected if they become seriously injured and are unable to work for a period of time. 

In some cases, the individual may never be able to return to their jobs due to the severity of the incident. A successful TPD claim can result in a lump sum payment and the early release of superannuation funds in order to ease any cashflow issues.

Sadly, some families have to cope with a loved one dying, which can create significant problems if they are the main money earner of the household. In these circumstances, death benefit claims may help ease some of the financial burden.

TPD and death benefit claims

There are some jobs where the likelihood of death or serious injury are higher than others, and new research from comparison website Life Insurance Finder has highlighted the country's most dangerous occupations.

The research, reported by Fairfax Media, showed the transport and storage industry recorded the highest number of deaths in Australia, with 65 employees dying performing their duties in 2012.

However, there were also a significant number of people who suffered muscular stress while lifting, moving or setting down objects. In fact, muscular pain was the most common cause of injury across the top three dangerous professions.

This included agriculture, forestry and fishing, where deaths were often caused by animals, drowning and heat exposure. Fifty-three people were killed in the industry in 2012.

Construction workers have the third most-dangerous job, largely due to falls from height. These incidents were responsible for 40 per cent of the 30 deaths on building sites two years ago.

Occupational hazards

Life Insurance Finder Spokesperson Michelle Hutchison said vehicle crashes are the most common reason for work-related deaths in Australia. Around one-third of fatalities are due to collisions on the country's roads.

"Many Australian workers have to drive vehicles or lift things as part of their job and they may not realise how dangerous their work can be," she explained.

Her comments followed recent statistics by Safe Work Australia that showed work-related compensation injury fatalities dropped to the lowest level seen in over a decade recently.

Despite this, Transport Workers Union Assistant National Secretary Michael Kaine told the Sydney Morning Herald that his organisation continues to campaign for a safer road transport sector.

"Road transport workers are 15 times more likely to be killed at work than any other worker in Australia," he explained.

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