TPD Claims & Super Lawyers Parramatta
Parramatta – Total and Permanent Disability Claims
If you’re a worker and you’ve suffered an accident or injury or if you have an illness that stops you from doing your job, you may be eligible for TPD claims (Total and Permanent Disability) or claims from your Superannuation policy. If the injury or illness means you cannot work for six consecutive months, or do the work you did before, you may be entitled to a TPD payment. At PK Simpson Parramatta we urge anyone in this position to check with our specialist Super Lawyers and TPD Lawyers to ascertain whether or not they are entitled to lodge Super claims or TPD claims. They may be able to receive a lump-sum TPD payment if they can’t work in the same capacity as they did before the injury or illness.
Such payments from Super claims, or TPD claims from private insurers, can be used to cover debts, medical costs, and provide an income to help as much as possible in the restoration of the person’s quality of life. If a parent or partner (someone a person depends on) dies, the person might be able to claim death benefits from the deceased person’s private insurer or make Super claims from their fund to help with any financial issues. Policies can be variable in the waiting periods, levels of TPD cover, and also the length of time in which benefits are available. So, if you can no longer work for the reasons mentioned above, PK Simpson’s TPD claims and Super Lawyers in Parramatta can be of assistance in making sure you’re eligible for, and get, the maximum lump-sum payments you are entitled to receive.
At PK Simpson Parramatta, our TPD claims Lawyers and Super Lawyers always focus on ensuring our clients are kept up-to-date and supported throughout their TPD claims process.
Our expert TPD Lawyers will handle your claims, maximising each one, and make sure no stone is left unturned.
What sort of compensation can I expect?
I Live in Parramatta, Can I Make TPD or Super Claims?
Yes, if you live in Parramatta or in any Australian state or territory, can make TPD claims, and Super claims either from a private insurer or Super fund if you can no longer work. You can make TPD claims providing you’ve been employed and have Superannuation or private insurance with TPD cover. However, there’s a lot of variation between the Super funds and private insurers when it comes to TPD, and between each policy as well, so it can be perplexing when it comes to who can and who cannot lodge Super claims and TPD claims. But to be classed as totally and permanently disabled, or TPD, a fund member or policyholder, no matter where they live in Australia, has to:
- Be classed as incapable, because of illness or injury, to work in any job for which they are reasonably qualified by training, education or experience
- Have stopped working because of illness or injury
- Be under 65 years of age on the date that they stopped work for the above reasons
- Have TPD cover included in their private insurance or Super policy on the date they stopped work due to the reasons outlined above.
You may be able to make TPD claims or Super claims from:
- Trauma insurance
- A private Superannuation fund
- Employment Disability Insurance
- Sickness or Accident Insurance
- Life insurance
- Loan protection insurance
- Income protection Insurance
- Mortgage protection Insurance
The amount of money you may be entitled to claim can range from $10,000 to over a million in some cases, but if you’re unsure about any aspect of TPD claims, or Super claims, contact your Super fund or call PK Simpson and talk to a specialist from our team of TPD Lawyers or Super Lawyers in Parramatta for expert advice.
No Win, no fee! At PK Simpson Parramatta we can help you with your Super claims and TPD claims!
Wherever and however your injury happened, or whatever caused your illness, it’s worth talking to us – You’re in safe hands with PK Simpson TPD claims Lawyers- Never settle for second best
How do I make TPD claims and Super Claims?
There are very specific steps you must take to lodge successful TPD claims and Super claims, and these depend on which Insurance agency or Super fund has your policy. It will also depend on whether or not your policy covers you for your TPD. To increase your chances of successful Super claims for TPD or other TPD claims, seek legal help because the claims process can be daunting, lengthy, stressful and bewildering. At PK Simpson Parramatta, our specialist TPD Lawyers and Super Lawyers can make sure you receive the benefits to which you are entitled, without the stress. The following are some of the common requirements for making TPD claims, whether they’re Super claims or from another insurer:
- Your employment history – Before making TPD claims, some policies will ask that you have worked for at least a minimum period of time.
- Waiting periods – So that all injuries, illnesses and symptoms are given time to develop fully and stabilise, and the full spectrum of damage to be evident, most policies ask that you wait for certain period before submitting Super claims or TPD claims – but it’s imperative that you seek legal advice as soon as you can after your injury or illness, so your TPD claims are ready to lodge when due.
- The level of your disability – When lodging Super claims or other TPD claims, you’ll probably be asked to show you have a minimal level of disability which will be considered when ascertaining when you can return to work, or whether you are able to work at all.
- Permanent disability payouts – The size of payments you get from TPD claims and Super claims is usually based on the number of work hours you complete in a week or the total length of your employment.
TPD Lawyers, Super Lawyers
It can be stressful, puzzling and intricate to make TPD claims from a superannuation fund or private insurer on your own, so let our specialist TPD Lawyers at PK Simpson Lawyers in Parramatta help you.. We can make sure you receive the best possible result from your TPD claims or Super Claims, so it’s vital that you have a legal representative on your side because the law is rather complicated. To protect yourself, make sure you contact us as soon as possible after your illness or injury stops you from working. PK Simpson in Parramatta has teams of specialist TPD Lawyers and we can advise you on Super claims as well as which benefits you can claim, explain the entire process, and also let you know what you can do if your claims are rejected. We can make sure you receive the payments to which you are legally entitled from your Super claims or TPD claims from private insurers.
Is there a time limit to make TPD claims or Super claims?
Yes, there are time limits in which you can lodge Super claims and TPD claims from other funds or insurers – so it’s important to act quickly and obtain professional, expert legal advice from our specialist TPD claims or Super claims Lawyers in Parramatta before submission. If you are ill and confined at home, our PK Simpson TPD Lawyers and Super Lawyers in Parramatta can send documents by post or email them to you, so it’s not even necessary for you to meet face-to-face with our TPD and Super Lawyers. But it’s important to act fast and get legal advice because time limits might begin to run out after you’ve stopped working, or in the case of rejected TPD claims, after the date that your insurer or Super fund said no. PK Simpson TPD Lawyers can re-submit any rejected TPD claims, and Super claims so don’t give up if your claims are declined.
PK Simpson in Parramatta has teams of specialist TPD claims and Super claims Lawyers with the necessary skills, experience and personnel to manage all TPD claims.
We also win more than 99 percent of our cases!
If you have a Super fund or an appropriate insurance policy with TPD cover and you’ve suffered from an illness or you’ve had an accident and injury that means you can no longer work, you may be entitled to a lump-sum payment from Super claims or TPD claims. Contact PK Simpson in Parramatta today and talk to one of our specialist TPD Lawyers about TPD claims or Super claims on 1300 757 467 or send an email to enquiries@pksimpson.com.au.
Parramatta Location
Superannuation Total & Permanent Disability Insurance
Superannuation Funds in Australia
- AIA
- AMP
- ANZ
- Australian Super
- Australian Ethical Super
- BT Super (Part of the Westpac Group)
- Care Super
- CBUS (Construction and Building Unions Superannuation)
- Club Plus Super
- Colonial First State Super
- Comminsure Super
- Commonwealth Bank
- EIS Super
- Energy Super
- First Super
- First State Super
- Hesta Super
- Hostplus Super
- Hub24 Super
- IAG & NRMA Superannuation Plan
- IOOF Super (Independent Order of Odd Fellows)
- LUCRF (Labour Union Co-operative Retirement Fund)
- Industry Super Funds
- Kinetic Super
- Legal Super
- Local Government Super
- Maritime Super
- Media Super
- Mercer Super
- MLC (Owned by National Australia Bank – NAB)
- MTAA (Motor Trades Association of Australia Superannuation Fund)
- Nationwide Super
- NGS Super
- Onepath Super
- Perpetual Super
- Plum Super
- Prime Super
- REI Super
- Rest Super
- Russel Super
- SA Super
- Statewide Super
- Sunsuper
- TAL
- Telstra Super
- TWU Super
- Unisuper
- Vision Super
- Westpac Super
- Qantas Super
- QSuper Insurers
- Onepath
- TAL Life Ltd Pty
- Nulis Nominees
- Metlife
Superannuation Total & Permanent Disability Insurance
Superannuation Funds in Australia
- AIA
- AMP
- ANZ
- Australian Super
- Australian Ethical Super
- BT Super (Part of the Westpac Group)
- Care Super
- CBUS (Construction and Building Unions Superannuation)
- Club Plus Super
- Colonial First State Super
- Comminsure Super
- Commonwealth Bank
- EIS Super
- Energy Super
- First Super
- First State Super
- Hesta Super
- Hostplus Super
- Hub24 Super
- IAG & NRMA Superannuation Plan
- IOOF Super (Independent Order of Odd Fellows)
- LUCRF (Labour Union Co-operative Retirement Fund)
- Industry Super Funds
- Kinetic Super
- Legal Super
- Local Government Super
- Maritime Super
- Media Super
- Mercer Super
- MLC (Owned by National Australia Bank – NAB)
- MTAA (Motor Trades Association of Australia Superannuation Fund)
- Nationwide Super
- NGS Super
- Onepath Super
- Perpetual Super
- Plum Super
- Prime Super
- REI Super
- Rest Super
- Russel Super
- SA Super
- Statewide Super
- Sunsuper
- TAL
- Telstra Super
- TWU Super
- Unisuper
- Vision Super
- Westpac Super
- Qantas Super
- QSuper Insurers
- Onepath
- TAL Life Ltd Pty
- Nulis Nominees
- Metlife
We are Australia’s Superannuation Total & Permanent Disability (TPD) Claims Experts
The general definition for total and permanent disability cover is the following:
“A member ceases to be gainfully employed due to injury or illness for a period of 3 or 6 months and after satisfying the fund that the member is unable to return to their usual occupation or any employment for which they are educated, trained or experienced.”
Each insurer has their own definition for total and permanent disability (TPD) and within that will define certain words further restricting and tightening the definition. Policies will also set out various definitions of TPD which apply to its members depending on your type of cover.
Lost Super Fund Search
There is over 4 billion dollars of unclaimed super in Australia. Much of this money is sitting in holding accounts managed by the government. How does this affect your TPD? If your superfund account was active at the time you stopped work you could still be covered even if the account is closed. We can make enquiries with the ATO to discover all the superannuation funds you have been a member of.
Our clients often have more than one superfund which owes them money. Your superfunds won’t tell you to make a Total and Permanent Disability (TPD) claim and many Australians have no idea Total and Permanent Disability insurance even exists, so if you have stopped work due to an injury or illness, contact us to start your superannuation TPD claim.
Preservation Age and gaining access to your Super
Once you have reached your preservation age and you have permanently retired, your superfund will release your account balance. The preservation age varies with funds. It can range from 55 to 65 years old. If you have reached your preservation age, your TPD benefit and account balance will not be taxed when released to you.
If you are under your preservation age when claiming your total and permanent disability benefit a certain lump sum portion will be taxed and portion will be tax-free. The amount you will be taxed can only be calculated by the superfund at the end of a claim.
It’s important to remember that a Total and Permanent Disability (TPD) benefit is a separate insurance claim which sits separate to your account balance. On approval of your claim, you will have access to your account balance as well as your TPD Insured benefit which is a lump sum amount.
Can I Make Multiple TPD Claims?
Unlike other jurisdictions, it is possible to make a TPD claim with multiple superannuation funds with which you have active accounts. Every superfund has a their own unique requirements to satisfy paying out a TPD claim. The dates of insurance commencing, the date of your last day worked, whether or not you had previous injuries or illnesses all come into consideration when preparing a TPD claim.
Permanent Incapacity Claim vs TPD Claim
Some people do not hold TPD cover within their super policy. You can still gain access to your account balance by way of a permanent incapacity claim. Special medical reports are still required. Superannuation funds will still assess these claims seriously as these are financial funds they use for investment opportunities.
I Only Have $20,000 in TPD Insurance. Is It Still Worth Claiming?
Contact us to find out how you can claim smaller amounts of TPD. Depending on your type of injury and whether you have a workers compensation claim, third party car accident claim, occupiers liability claim or medical negligence claim with us, we’ll be able to assess your situation and give you guidance.
Psychological injuries resulting in TPD claims
Psychological injuries are best diagnosed by a psychiatrist. Usually your GP and a psychologist will assess you prior to being referred to a psychiatrist. They will also have a clinical history noting your depression and anxiety and other mental disorders. If your GP doesn’t doesn’t raise the issue, it’s best to raise it with your GP yourself. In Australia, a Mental Health Care Plan allows you to have 10 free visits to a psychologist. Your GP provides a referral for this.
It’s very important to have the right medical evidence to support your TPD claim. PK Simpson also has access to specialist doctors who can add further support to the medical evidence already compiled.
Psychological Disorders where we have had successful TPD claims include:
- Major Depression / Severe Depression
- Anxiety
- Post Traumatic Stress Syndrome (PTSD)
- Paranoia
- Schizophrenia
- Bi-Polar
- Mood Disorders
- Personality Disorders
- Substance Abuse Disorders (Alcohol Addiction, Drug Addiction)
- Panic Disorders (Panic attacks)
Often, these disorders come in combinations. Many people who have suffered injuries in traumatic accidents or life debilitating injuries will then manifest various types of mental disorders. A good TPD lawyer will be able to identify the signs and symptoms of mental disorders and recommend you attend a specialist to have the condition diagnosed and documented so that the evidence can support your TPD claim.
Frequently Asked Questions
Yes, you can. If you’re diagnosed with a serious cancer that has an impact on your ability to work, you may not realise you are entitled to claim insurance benefits through the insurance provided through your superannuation. These benefits may include income protection if your disablement is temporary, and TPD if your condition is long-term and serious. If your condition is terminal, you will be eligible for a terminal illness payment.
Yes, you can. People are now becoming more aware of depression and other mental illnesses, and while there’s a way to go before the stigma is lifted, we’re talking about it more often. Around one in four Australians suffer from a mental illness each year. However, insurers are wary of mental illness disability claims, and it can be quite hard to get cover. But what many people fail to recognise is that the automatic TPD insurance you have through your superannuation fund can pay out much-needed benefits and funds if you cannot work due to depression or any other mental illness.
Mental illness can often be a lingering side effect of a physical injury, even after full physical recovery.
Yes, you can have multiple TPD claims providing your insurance policies or super funds are independent of each other. Bear in mind that, unlike other personal injury claims, when you make a TPD claim, you do not have to prove that the illness or injury was work-related or caused by somebody else.
A successful TPD claim can never be 100 per cent guaranteed, but you are much more likely to win your claim if you contact a TPD specialist lawyer at PK Simpson to discuss your situation. There is a minimum level of evidence required to support your claim, which must be provided to your insurer and your super fund. This includes your claim form, a signed authority, certified ID, and two medical reports from your treating doctors showing that you can never return to work. These will need to be reviewed by a lawyer to ensure all the correct boxes are ticked, and that the evidence strongly supports your claim for TPD.
Often, terms and conditions specific to your policy need to be analysed in order to make sure the fund cannot decline your claim.
Superannuation funds will often require specialist reports. Superfunds do not pay for treatment throughout the claims process. However, PK Simpson pay for all medical reports needed to support your claim.
Most claims are paid out and finalised within three to six months, but it all depends on how complicated the claim is, and how much good evidence you have about your injuries. There is also the matter of whether you fulfil all the criteria set by your insurer. This is why it’s crucial to have a specialist TPD team on your side when you make a claim for TPD for any reason.
As lawyers we will make sure your claim is assessed by the superfund in a timely manner. Delay tactics are deployed by funds to prolong and frustrate TPD claimants who are not legally represented.
If you haven’t been able to work in your usual job for three to six months due to an injury or illness, you are likely to be classed as TPD.
Each superfund has their own TPD definition and this must be satisfied for the TPD claim to be approved. Common factors which are assessed in each claim are the members work history (education, training and experience), suitable jobs, and medical evidence.
Your TPD entitlements are set out in the contract (a.k.a. policy, or product disclosure document) you have with your insurer. Therefore, the definition of TPD will vary between policies and insurers.
If you or anybody you know has ceased work due to illness or injury and they cannot return for at least six months they could be eligible to claim TPD benefits. Call PK Simpson specialist TPD lawyers today on 1300 358 057 or email inquiries@pksimpson.com.au.