TPD Lawyer explains TPD claims

TPD claims can be denied for one or more of the following reasons, if you:

• Don’t meet the disability outlined in your policy
• have an inactive or invalid policy
• haven’t provided convincing medical evidence to support your TPD claim
• haven’t met work history requirements
• failed to disclose pre-existing injuries
• have errors or inconsistencies in your evidence

Remember that these reasons depend on your insurer policy, circumstances and medical evidence. They may not be entirely accurate for your claim. You may feel that you have provided all the evidence you could obtain, but it might still not be enough for your insurer to move forward with approving your claim. As your insurer makes the decision, this process can be frustrating.

If your claim is denied, reach out to one of our TPD compensation lawyers who will help you navigate your way through.

There are options to dispute the insurer’s decision if your TPD claim is denied. Insurers sometimes make incorrect decisions, and you are entitled to ask them to review their decision. If your insurance claim is refused, it does not mean that they are correct or that there is no one else that can decide. If you think that the final decision on your claim was unfairly made, you can submit a formal complaint to your insurance or superannuation provider to apply for a review. You can also make a complaint to the industry tribunal or financial ombudsman service. We recommend you contact our highly experienced TPD lawyers to understand your position and give you the best advice on moving forward.

Yes, however, it is important you understand the basis of you receiving a TPD payout is that you have through evidence been able to establish that you are unlikely to ever return to work. However, that does not mean that if you recover from your injury, whether physical or psychological through treatment or a period of time of good recovery that you are necessarily barred from returning to work because you received a TPD payout. The evidence relied upon was at the time of the assessment and/or at the time of the claim. Where this has not resolved your doubts, our highly experienced TPD lawyers at Withstand Lawyers are more than happy to guide you through what is often regarded as a difficult period in your life after an injury or illness whether its physical, psychological or in may circumstances, unfortunately, both.

If you sustained a serious illness or injury which left you unable to continue to work, you may claim TPD compensation from your superannuation fund, depending on your individual policy. TPD benefits will not be automatically granted, you will need to make an official claim to your insurer explaining your situation and presenting necessary evidence. You should be able to medically prove that your situation qualifies for receiving payout by firstly getting a medical certificate from an approved specialist. You should also provide details of your occupation, payrolls, and other relevant documents explaining why you will not be able to perform your job due to your injury. With all these documents, a claim form should be filled out and submitted to the insurer in order to commence a TPD claim.

Different types of cancer can substantially affect a person’s life especially when it is left untreated until advanced stages. If you believe you will not be able to work due to your cancer, you can consult our TPD claim lawyers and they can assess the eligibility of your case for making a claim. The scope of your superannuation policy and the medical reports of your illness will be crucial in determining your eligibility.

When making a TPD claim, you will need to provide medical evidence to support your claim. You should also cross-check the policy and inform doctors and other medical practitioners about the definition of your policy. You should also inform your doctor if there are any other barriers that could be preventing you from being able to work. Also, you may need to include evidence relating to your education, training and work history to prove that you cannot perform any other jobs that you have worked previously that the superannuation company might consider suitable for you after the injury.

In the event that you are a member of more than one superannuation fund at the time that you have suffered your medical illness or injury, you are indeed able to claim a TPD benefit from each superannuation fund provided you were a member with that superfund at the time of your injury or illness. This is also on the premise that the insurance policies contained within both superannuation funds expressly state that they provide TPD benefits in their cover- so it is very important to check whether you would be covered or not in the event of a illness or injury. As this can be quite confusing, do not hesitate to contact Withstand Lawyers where we break it down for you in simple terms and ensure we can provide you with the best possible outcome.