TPD Lawyers Perth, Western Australia
Total and permanent disability (TPD) insurance is a type of insurance that allows you to claim lump sum payment if you become totally and permanently disabled to work. TPD benefits usually include
You may be entitled to claim TPD regardless of where you were injured. Total and Permanent Disability (TPD) insurance could range but is generally on average anywhere between $50,000 – $350,000, and income protection benefit of up to 95% of your average wage may be paid in instalments. Our TPD lawyers who are conveniently located in Perth can help you get the maximum possible insurance benefits from your superfunds. We can
- communicate with your insurer on your behalf;
- collate all the important facts and details;
- advise you on your eligibility prior to making a TPD claim;
- ensure you receive the full TPD benefits that you are entitled to;
- challenge the insurer’s decision if it denied your TPD claim.
How to make a claim in Perth?
You can simply contact our TPD lawyers in Perth and other suburbs in Western Australia for a free claim check, or follow the steps below:
- Contact your superannuation fund and request your superannuation insurance policy to understand your eligibility.
- Show that you are permanently unfit for your usual occupation, or any other occupation, depending on the policy, for which you are qualified based on your education, training and experience.
- Provide evidence to support your claim such as but not limited to medical reports from your GP, details of your work duties, payslips, tax returns or medical reports.
How much of a payout can I expect from a TPD claim?
The amounts you are entitled to depend on the type of insurance policy you have; this information is usually included in the fine print of your policy or statements.
The TPD payments amounts typically range
- $70,000 and $200,000 for older adults;
- $200,000 and $800,000 for younger adults;
- Go up to $2,000,000 in some cases.
It is important to contact a TPD lawyer who has significant experience in this area as each policy can be quite difficult to understand especially in determining your eligibility in successfully recovering the TPD amount. In addition, you need to be aware that you could make multiple TPD claims if you have multiple superfunds that contain TPD insurance.
How long does a TPD claim take?
The decision of a TPD claim is usually made within 3 months after the lodgement of all relevant supporting documents. There are also some circumstances where the decision might come later if the superannuation insurer does not have all the relevant documents and is unable to make a decision. On contrary, the decision might come earlier such as if you are suffering from a terminal illness.
Please contact our TPD Lawyers in Perth if you have lodged a TPD claim and the decision hasn’t been made longer than 3 months, and we will investigate the reason behind it.
How much do lawyers charge for TPD claims in Perth?
At Withstand Lawyers you do not have to pay for out-of-pocket expenses, such as the medical reports required for your claim. In addition, we have a clear No Win No Fee Policy. Our No Win No Fee policy for TPD Claims means that do you not pay us anything unless we are successful in obtaining you a financial outcome. If you decide for us to act on your behalf, we will take the risk out of the unknown, given personal injury claims is all we do.
Can I return to work after a TPD compensation payout?
Although being TPD means you are unfit to work on a permanent basis, we have seen, on occasions injured clients get better and eventually return to work. It is important to know that the basis of you receiving a TPD payment is that you have evidence which established that you are unlikely to ever return to work. However, receiving a TPD payment in itself does not usually prevent you to return to work.
Why trust our TPD lawyers in Perth?
TPD Insurance is usually claimed once in a lifetime; meaning that you haven’t gone through this process before. Legal procedures can be challenging for people who are inexperienced. Our experienced TPD lawyers in Perth have assisted thousands of people, and we can ensure the success of your TPD claim. Contact our TPD lawyers no matter how or where you were injured, or whether or not it was your fault. You can reach our lawyer in Perth, Bunbury, Geraldton and Albany.
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