A permanent injury or illness can make it difficult to return to work and have a devastating impact on your life and livelihood.
If you are unable to return to your normal work because of an injury or sickness, accessing your Total and Permanent Disability (TPD) insurance through your superannuation, or claiming against an income protection policy, can help you cover ongoing expenses.
TPD claims can be a paid as a substantial lump sum payment. Most people have this type of insurance available to them through their super fund or insurance policy. Different insurance policies have varying terms and conditions so it is important to speak to an experienced lawyer who can provide you with accurate advice about your rights to entitlements.
Types of insurance, disability and TPD claims include:
- Total and Permanent Disability (TPD) claims
- Income protection insurance claims
- Life insurance or death benefits
- Trauma claims
- Early release of superannuation
Without seeking the right advice, making a claim through TPD insurance can be difficult and frustrating, causing unnecessary delays.
Attwood Marshall Lawyers are superannuation, insurance and TPD specialists trained to gain access to your benefits to ensure you receive everything you are entitled to as quickly as possible.
A TPD payment can give you the financial support you need to move on with your life. We make the process easy, so you can focus on your recovery and your future.
Superannuation, Insurance and TPD Claims – Frequently Asked Questions
If you are unable to work because you are injured, sick or have a medical condition, you may be eligible to make a claim.
The fastest way to find out if you are eligible to make a TPD claim is to contact our superannuation and TPD lawyers in Brisbane who will make immediate enquiries on your behalf and provide you with advice about your potential entitlements.
Depending on your circumstances, you could claim for:
- Total and Permanent Disability (TPD)
If you are injured or sick and have not been able to work, you may be eligible to claim for TPD.
- Income Protection
If you are injured or sick and are unable to work, you may be eligible to claim income protection or salary continuance payments, which often pays 75% of your usual income on an ongoing basis for a set period (whether 2 years or up to retirement age).
- Life Insurance
Upon the death of the insured person, their nominated beneficiary (usually their partner, children or next of kin) may be eligible to claim the life insurance lump sum.
- Trauma Claims
Regardless of whether you can work or not, you may be eligible to make a trauma claim if you have suffered an injury, medical condition or sickness.
For TPD claims, you must demonstrate that you are unable to work because of injury or sickness, and that your medical condition and incapacity for work fit the terms of your TPD policy (i.e. that you cannot return to work in any occupation, or that you cannot return to work in your usual occupation).
For Income Protection claims, you must demonstrate that you are unable to work because of your injury or sickness and that you are not working.
For Life Insurance or Trauma claims, you must demonstrate that the terms of the policy are met.
Every policy is different. It is imperative that you obtain legal advice about your entitlements to claim and for assistance with accessing and protecting those entitlements.
The insurer pays for your benefits.
The amount you can claim will depend on the terms of your policy.
Most claims take between 6 and 18 months. More serious or complicated claims may take longer, whilst some claims are paid out quite quickly.
If your claim is rejected, you will have an avenue to appeal the insurer’s decision. If your appeal is unsuccessful, you may be able to take the matter to court.
To give your claim the best chances of being successful at the earliest opportunity, call Attwood Marshall Lawyers on 1800 621 071.
There are usually no time limits for a superannuation claim, however claims should be lodged as soon as possible.
If your claim has been rejected, you will have a time limitation. If your claim is not commenced in court by the time your time limit lapses, your claim is likely to be precluded.
The earlier you obtain legal advice the better to ensure you can access the benefits you are entitled to.
Attwood Marshall Lawyers work on a No Win, No Fee basis for superannuation, insurance and TPD claims which means that you will only pay our fees if your claim is successful.
On most claims, we offer a fixed fee.
Attwood Marshall Lawyers have acted for injured people across Brisbane against insurance companies for 75 years.
Our lawyers are trained to listen and connect with you to ensure that we understand your story and what is important to you. The team are made up of highly experienced, skilled leaders in the compensation law industry.
We act on a No Win, No Fee basis.
We know that making a claim for compensation can be a daunting process. We are here to assist you every step of the way to ensure that you achieve your optimum result in the shortest time and with as little stress as possible.
No Win, No Fee Brisbane TDP Lawyers
Attwood Marshall Lawyers act on a No Win, No Fee basis on almost all compensation and TPD claims, so you only pay our fees if you win your case and receive compensation. There are no upfront costs. We offer a free, no-obligation and confidential discussion to find out where you stand. You can make an appointment to visit our team any time at Level 27, Santos Place, Turbot Street, Brisbane, or by phone or via Zoom.
Book your Free Brisbane Consultation
If you are unable to work from an injury or illness, you may qualify for a compensation claim. It costs you nothing to find out.
Get in touch with our friendly team today by calling 1800 621 071 or enter your details below and we will contact you to book in your free, no-obligation consultation.