Superannuation TPD Lawyers Perth, Western Australia
Total and permanent disability (TPD) insurance is a type of insurance that allows you to claim superannuation benefits and lump sum payment if you become totally and permanently disabled to work. Superannuation TPD benefits usually include
You may be entitled to claim superannuation benefits regardless of where you were injured. Total and Permanent Disability 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 superannuation lawyers who are conveniently located in Perth can help you get the maximum possible insurance benefits from your superfunds.
How to make a claim in Perth?
You can simply contact our superannuation 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 superannuation insurance 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 superannuation 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 superannuation claims if you have multiple superfunds that contain TPD insurance.
How long does a superannuation claim take?
The decision of a superannuation 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 superannuation lawyers in Perth if you have lodged a superannuation 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 superannuation 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 Superannuation 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.
Frequently asked questions
According to an ASIC report out of the review it conducted, it found only 65% of TPD claims were accepted by insurers. Superannuation TPD claims are complex, and the legal process requires sufficient expertise in that area to receive what you are entitled to. Our superannuation lawyers have been helping people in Western Australia on a no win no fee basis; meaning that you only pay for our superannuation lawyers’ legal fees if you receive a lump sum payment.
Our experienced superannuation lawyers can assess the details of your superannuation policy without you being too worried about meeting the requirements and navigating through policies and definitions. Also, if you have an ongoing claim, our lawyers can assist you regarding how to move forward if your claim was rejected by your insurer or superfund.
Superannuation claims can be refused for many reasons. Some of the most common potential reasons are as follows:
- having an inactive or invalid policy
- failing to disclose pre-existing injuries.
- not meeting the disability that is outlined in your policy
- not having work history requirements
- not providing convincing medical evidence to support your superannuation claim
Your claim’s outcome depends on your insurer’s decision. Even though you think that you have provided all the evidence you can obtain, it might not be sufficient for the insurer. If you are frustrated due to that reason, you can reach one of our superannuation lawyers in Perth. We will help you understand and receive the highest possible superannuation benefits.
Yes, you can if you are a member of more than one superannuation fund at the time that you have suffered an injury or illness and stopped working, you will be able to claim a superannuation benefit from each superannuation fund.
The answer is no. You do not have to be in Perth to make a superannuation claim. Our superannuation lawyers are conveniently located throughout Western Australia. Our lawyers also offer home visits for our injured clients; feel free to call us on 1800 952 898 or fill out the free initial consultation form.
Why trust our superannuation 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 superannuation TPD lawyers in Perth have assisted thousands of people, and we ensure the success of your superannuation claim, and 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 superannuation claim;
- ensure you receive the full superannuation benefits that you are entitled to;
- challenge the insurer’s decision if it denied your superannuation claim.
Contact our lawyers no matter how or where you were injured, or whether or not it was your fault. You can reach our lawyer thoughout WA in Perth, Bunbury, Geraldton and Albany.
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