Published 11 May 2016
Anyone who suffers from total and permanent disabilities (TPDs) or lives with someone who does will know the huge impact they can have on your day-to-day life. They not only prevent you from returning to your job but can also make even simple tasks, such as getting dressed or navigating stairs, more challenging.
The financial and emotional strain of TPDs can also add to the physical symptoms, especially if you were the main money earner for the household. Being unable to work - combined with medical fees and other costs associated with a disability - can cause household bills to quickly mount up.
Making a TPD claim
Fortunately, if you have a superannuation fund or insurance policy that provides coverage for TPDs, you may be eligible for a lump sum payment for your disabilities. But how do you know whether your claim for benefits will be accepted?
Here are some of the factors that insurers and super funds consider when deciding whether or not to pay out for TPDs. However, if your claim is rejected and you feel you're entitled to compensation, please contact a personal injury lawyer to discuss your situation.
1. Is your disability total and permanent?
This question may seem obvious at first, but many claims can hinge on the definition of a TPD within your policy. For example, severe injuries that only prevent you from working for a short period of time may be classified as total and temporary disabilities. On the other hand, a permanent partial disability refers to problems that will likely never heal but don't stop you from pursuing employment.
2. Is your particular condition covered?
The terms and conditions for TPD policies can be very specific, so you'll need to check the small print to avoid any nasty surprises when the time comes to make a claim. It is not uncommon for insurers to reject payouts based on ambiguous wording or technicalities, which is why getting in touch with a personal injury lawyer is often advised before accepting your insurer's decision.
3. Have you waited a sufficient amount of time to claim?
Time limits for TPD claims may differ between policies, so check with your insurer or super fund to confirm whether or not you are required to meet any deadlines. For instance, some policies request that you are off work for at least six months with a disability before you apply for lump sum benefits.
Are you considering launching a TPD claim? Please contact Gerard Malouf & Partners for more information.