What are the names of the superfunds that will have a Total & Permanent Disablement (TPD) policy?
There are many different super funds that have different insurance policies however please see the main ones below.
AMG, AMIST, AMP, Australian Catholic Super, Australian Super, Australian Ethical, AV Super, Aware Super, Bendigo Bank, BUSSQ, CareSuper, Catholic Super, Cbus, Christian Super, Club Plus Super, Colonial First State, CommBank Financial Planner, Energy Super, First Super, Guild Super, Host Plus, InTrust, IOOF, legalsuper, LGIAsuper, LUCRF, MAP, Media Super, Mercer Wealth, Mine Wealth + Wellbeing, MLC, MTAA, NGS, Perpetual Plum, Prime, QSuper, SmartSave, SmartStart Super, Statewide, Suncorp, Sunsuper, Tasplan, TWUSUPER, VicSuper, Visions, Zurich
It is important to note that being a member of one of the above superfunds does not necessarily mean it contains TPD insurance.
Is there a difference between the superfunds and their TPD insurance policies that could affect my TPD claim?
Yes. Some super funds have very difficult and stringent eligibility criterions compared with others to meeting TPD. In addition, some super funds have a higher chance of declining TPD claims than others statistically. It is very important that you understand what your policy allows for and how it determines your TPD eligibility.
Does my disability have to be related to a work injury or car accident?
No. The cause of your disability does not usually matter. For example, your disability could be mental illness due to life stressors or due to being injured at home or be your fault.
What is an example of TPD eligibility in a policy?
An example of TPD eligibility in a policy is that you were employed at the date of disablement, have been continuously unable to perform your occupational duties since the date of disablement, for at least 3 consecutive months and remain so at the date of lodgement due to the injury or sickness. Further that you are unable to ever be gainfully employed in any occupation for which you are reasonably suited by education, training, or experience due to your injury or sickness. Our TPD lawyers will help you understand whether or not you are eligible to claim TPD, so you don’t have to navigate through policies on your own.
What are some of the reasons my TPD claim could be refused?
Other than the obvious reason of not meeting the TPD eligibility, another reason that your TPD claim could be refused is not providing enough medical evidence to support your TPD claim. Another reason that your TPD claim could be refused is that you did not disclose your past medical history when applying for TPD insurance. We note that you should contact our TPD lawyers if you have lodged a TPD claim, and it has been refused as there are options available to challenge the refusal.
How long does it take to finish my TPD claim?
It depends on how long it takes to meet the eligibility criteria and how long it takes to gather documentation in support of your claim. Usually, the process that takes the longest and which has the most impact to delay your TPD claim is the time it takes to gather the documentation and to obtain the necessary documents from third parties such as employers, doctors, insurance companies and any other relevant third party depending on the type of claim. It is important to contact them as soon as possible to avoid delaying progressing your TPD claim.
What does a TPD claim lawyer do?
Our TPD claim Lawyers read the policy, advise you on your eligibility and advise you on what documentation we need to obtain in support of your claim and request it. Our TPD claim Lawyers also ensure that you understand how the process works, what the obligations are from the superfund and what to expect. Our TPD claim Lawyers also pay and fund for the evidence required to support your TPD claim.
How do I know if I can make a TPD claim?
Most clients we speak to in fact don’t know about TPD let alone know that they could have made a TPD claim. We can advise you if you can make a TPD claim by contacting your super fund and requesting your policy to ascertain whether your policy allows for TPD insurance, and we will advise you if you are then eligible to make a TPD claim. If you don’t know the name of your superfunds, don’t worry we can find that out by contacting the Australian Taxation Office (ATO) or by utilising the ‘Find my Super’ process. Our TPD claim lawyers do not charge you upfront to find out if you can make a TPD claim as we work on a No Win No Fee basis which means unless you win by way of receiving your TPD benefit then you will not pay our legal costs and disbursements.
What are the important details I need to make a TPD claim?
The most important details you need to make a TPD claim are the date you last worked, the name of the employer you last worked for, the illness or injury which caused you the inability to work, your treating doctors’ details and your resume.
What is a TPD Assist Claim?
Sunsuper have insurance cover known as Sunsuper TPD Assist which is a TPD cover but paid to you in increments instead of one lump sum.