IF YOU HAVE BEEN INJURED TO THE DEGREE THAT YOU ARE NO LONGER ABLE TO WORK, YOU MAY QUALIFY AS HAVING A TOTAL AND PERMANENT DISABILITY (TPD). YOU COULD BE COVERED UNDER INSURANCE – WITHOUT EVEN KNOWING IT!
Total and Permanent Disability (TPD) is an insurance that’s typically offered through your superannuation fund, although it’s also available as a standalone cover. TPD insurance covers you if you can’t work again due to injury or illness. This could be due to a physical injury, a disease such as cancer, MS, or poor mental health. Dealing with these disabilities can be a daunting and life-changing experience. This is particularly true if it interferes with your ability to provide food on the table and financially sustain yourself and your family members.
Because of these circumstances, your Total and Permanent Disability insurance policy could help. Many people don’t even realize they hold TPD insurance. The ones that do on the other hand, often find the TPD claim process to be too complex and lengthy. If you want to have a successful TPD claim, it’s essential to understand your insurance policy thoroughly. Lucky for you, we’re here to help you do just that!
Am I eligible for TPD?
To be eligible for TPD insurance, you need to show you’re permanently unfit for either your usual occupation or any occupation, depending the policy you have chosen. Some injuries may also qualify for a percentage of the benefit, depending on your ability to work. Each situation is personal and your cover can vary, so that’s why it can be helpful to have Robert Bryden Lawyers to help assess your eligibility and handle your claim.
What are some common types of TPD Claims?
1. Cancer Claims
A wide range of terminal cancers qualify as Total and Permanent Disability. If you have been diagnosed with cancer and necessitate time away from work for cancer treatment, you may be entitled to a TPD claim. Your insurance payout will significantly help you during this challenging time, allowing you to focus on your recovery rather than worrying about bills piling up.
2. Mental Illness Claims
When we think of total permanent disability, mental illness does not always come to mind. But just like physical illnesses and injuries, psychological disorders can also have a severe impact on your ability to perform at work. As a matter of fact, mental illness is considered the third leading cause of disability in Australia, with the most common conditions being:
- Post-Traumatic Stress Disorder (PTSD)
- Severe Anxiety.
Luckily, TPD Claims for mental illness are becoming increasingly common in Australia as more employers and insurers understand the effects that psychiatric disorders can have on the ability of employees to do their job. So, if you are medically diagnosed as suffering from the above conditions, getting in touch with an experienced insurance claim lawyer could potentially win you a successful TPD claim.
3. Loss of Senses Claims
Another common TPD claim can be the loss of senses such as your ability to see or hear. Losing one of your primary senses is very distressing and you will likely need to make significant changes to your lifestyle to cope with your new normal. If you have declining vision or hearing and it is impacting your capacity to work, you might thus qualify as TPD.
4. Heart Disease Claims
Heart diseases can cause permanent disability to your arms or legs, and you may lose your ability to speak and communicate as well. This can result in you being unable to carry out daily work-related tasks and can weaken you to the point where you are no longer even able to complete simple self-care tasks. This can give rise to a TPD claim, depending on whether your condition is temporary or permanent.
5. Loss of Limb Claims
To suggest that losing a limb will interrupt your life is an understatement. You will most likely need to relearn how to perform simple chores at home and at work. To accommodate your new condition, you might also need to make some house modifications, and you might even require full-time care. Because of this, you are highly likely to qualify for a successful TPD payout.
6. Brain Injury Claims
As a particularly debilitating injury, a brain injury can result in a more significant decrease in quality of life than the average person living with a disability. Some examples of brain injuries can be, but are not limited to:
- Infections of the brain.
As a result of a brain injury, there are major changes that could potentially affect your lifestyle. Your ability to work, look after yourself, your family members, and your financial security can all change drastically. In times like these, a TPD Claim on the grounds of brain injury can provide you with much-needed financial relief and peace of mind.
Can I claim both workers’ compensation and TPD?
Yes. Your TPD insurance is like house insurance, but for your body. It’s a personal insurance you have that you can claim on if you’re permanently unfit to work. Workers’ compensation, on the other hand, is a governed issue. It relates to your employer and their accountability for your accident. So, you can make a workers’ compensation claim, as well as receive a TPD payout. In this instance, it’s particularly helpful to seek legal advice. At this difficult time, it is important to receive all your entitlements.
Do you need a lawyer to make a TPD claim?
Would you operate on yourself or call in a surgeon? It can be really helpful to have a lawyer handle your claim. TPD policies vary between funds and you are dealing with an insurance company. It’s a complex process and a lawyer can help streamline your claim.
When is the last time you heard an insurance company happily paid out money? A lawyer can help you understand what documentation and evidence you need and which requests from insurers are reasonable. A lawyer can also be useful when claiming for specific conditions. For example, mental health claims can be particularly challenging.
Robert Bryden is an expert in this area of insurance and has been successful in securing thousands of dollars for clients who did not even know they had access to TPD insurance.
Why choose Robert Bryden as your TPD Insurance lawyer?
Robert Bryden is an expert in this area of insurance and has been successful in securing thousands of dollars for clients who did not even know they had access to TPD insurance. Choosing Robert Bryden for your disability insurance claim will give you the best chance at accessing all your entitlements.
As a well-resourced insurance claim lawyer and an experienced legal practitioner, Robert brings not only his technical expertise to the table but also his true understanding of the stress and emotional impact that TPD claims process can have at a time when you and your family members are the most vulnerable.
Is there a time limit for making a TPD claim?
Time limits do apply in most claims, so it’s very important to get in touch with Robert Bryden as soon as possible. Together, let’s make sure you receive all your entitlements.
- We are compassionate, sensitive, highly discreet, family run and family focussed.
- Each client has personal contact with Rob and Suzi 24/7.
- Each client meets personally with Rob. No junior lawyers, no staff that turn over, every single client meets the original Bryden Lawyer, Robert Bryden.
- Our dedicated team understand the challenges you will face, and strive to make the process as simple as possible.
- You can trust us to care about you and get you the compensation to assist you in moving forward with your life.