TPD Claim – Total Permanent Disability
Gerard Malouf & Partners Superannuation Lawyers is a NSW Accredited Personal Injury Specialist firm who specialise in TPD Claim cases in Australia.
Several definitions are provided for a TPD Claim (Total and Permanent Disability), however; it depends on the time when you suffer due to incapacity or stop working altogether. For instance, if you are indeed suffering from a serious injury for more than six months continuously. Generally, you have to prove that you cannot work at all even though you have the skills.
You will be required to fill a form to understand whether you actually qualify. You will also be required to submit a doctor’s report as well. With our qualified and competent barristers and solicitors, we shall then help lodge your insurance TPD claim.
What is a TPD Claim?
Every Superannuation Fund and each individual policy vary in their definition and the requirements which must be met in order to qualify for a benefit. Nonetheless, a TPD claim means Total and Permanent Disability. So the complexity arises in classification as to who can submit claims.
To be classified as Total and Permanent Disabled a fund member must:
- be incapable, because of illness or injury, to work in any employment for which they are reasonably qualified by education, training or experience
- have ceased active employment as a result of injury or illness
- be under 65 years of age as on the date of ceasing active employment
- have an insurance policy in place as on the date of ceasing active employment
Education, Training or Experience
In addition to medical evidence, the likelihood of returning to active employment will be determined according to:-
- the labour market
- a member’s transferable skills
- the practical likelihood of a member gaining employment
Often alternative employment may be available to an incapacitated person if further education or retraining is undertaken. In this case, a member may still be eligible to make an insurance TPD claim. This is because the need to retrain indicates that such alternative employment exists outside the member’s education, training or experience.
Even if you have made one or more attempts to return to the workplace, you may still be eligible to get a benefit, despite not succeeding in these attempts at rehabilitation.
In addition, most funds require that you have been absent from active employment for at least six months before you are eligible to make a TPD claim. This waiting period varies between funds.
The disability does not have to be work-related as it could be a chronic fatigue syndrome, cancer, heart attack, mental illness, injuries at the workplace or at home and other reasons. It is therefore essential that you consult our superannuation lawyersin order to find out whether you qualify. Some are discouraged from filing claims when they have suffered from some kind of illness or injury on a previous occasion, however; it doesn’t matter.
Gerard Malouf and Partners has registered 98% success in court cases handled till date. In case we have a feeling that there are slim chances of success then we shall inform you accordingly and withdraw the case.
TPD Claim Benefits Available
A successful TPD claim has two components. The first is a lump sum payment based on the level of insurance cover held. The second is the early release of the member’s accumulated Superannuation Funds.
Some clients also feel that their compensation is low since the payout is subject to taxation. However, this can be cancelled out by compensation through addition of the sum assured to the amount of total and permanent disability awarded.
If you are not successful you may still be able to access these accumulated Superannuation Funds on the grounds of invalidity or financial hardship. Our superannuation lawyers will aggressively and tirelessly fight for your rights.
Are there Time Limits for making Total and Permanent Disability Claims?
There may be time limits while applying. These will be determined by the Superannuation Fund’s Trust Deed.
The TPD Claim Process
In order to make a TPD claim, we would firstly need to contact your Superannuation Fund in order to ascertain any benefits that may be available and request the relevant forms.
We would then liaise with various third parties, including the medical practitioners who have primarily treated your injury or illness, and your previous employer. Each of these parties will need to complete a statement in support of your case. Once these forms are complete, we will lodge them with the Superannuation Fund, along with any supporting evidence. The Fund’s trustee will then determine the amount of your payout.
If your case is denied, we can forward a request to the Trustee to review their decision, provided that there is further medical evidence in support of review. If this is unsuccessful, we can lodge with the Superannuation Complaints Tribunal, or alternatively, proceed to court to challenge the decision made by the Fund.
A Total and Permanent Disability Insurance policy can actually range from $10,000 to more than $1,000,000.
We can offer you our Superannuation Lawyers to handle your TPD Claim on a No Win No Fee basis if you phone Gerard Malouf & Partners on 1800 004 878.