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What you need to know about total & permanent disability (TPD) claims:

Many workers are unaware that through their superannuation they most likely also have insurance cover for Total and Permanent Disability (TPD) or Partial and Permanent Disability (PPD).

You may also, under a life insurance policy, have TPD or PDD insurance cover provided by your employer as part of your EBA or employment contract, via a union, financial institution or bank, or as arranged by your financial advisor.

The value of your insurance benefits has the potential to be hundreds of thousands of dollars as it is usually several times your superannuation account balance. If you are entitled to make a claim, it is usually paid as a lump sum.

Unfortunately, funds and insurers rely on exclusion or eligibility clauses, outlined in an insurance policy’s small print, to deny claims. Many simply start with “no” so don’t be deterred by the prospect of a declined claim; our team can help you challenge a decision.

If you can prove you’re unable to perform your normal job, or any other work related to your skills and expertise, you may be eligible for a TPD or PPD insurance claim. This doesn’t necessarily mean that you are unfit for all work – it just means you’re unable to do the work within your area of training and experience. For example, if you are employed in construction and a back injury prevents you from performing your normal construction work, you can usually make a TPD or PPD claim – this is the case even if your doctor approves you to perform a different type of employment, such as office work.

You may have the potential to make multiple claims if you are a member of various funds each carrying insurance cover. To achieve the best result, we investigate this process on your behalf.

Our lawyers are diligent in reviewing the fine print in insurance policies and are committed to ensuring you receive the maximum entitlements available to you.

Why Catherine Henry Lawyers?

At Catherine Henry Lawyers, we understand the importance of having someone on your side when you’re taking on a well-resourced insurance company and our lawyers can prepare you for this by helping you gain early access to your funds.

We act on a no-win, no-fee basis for these types of cases, which means you won’t be charged until the end of the case, dependent on the result.

Contact us today to find out how we can help with a free superannuation and insurance assessment.

Our Insurance Law Team

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