If you’re not able to work due to an injury, condition or sickness, you may be entitled to lodge a Total and Permanent Disability (TPD), insurance or income protection claim against your superannuation fund or insurer.
As a substantial lump sum payment, TPD claims may be available to you if you have suffered an injury or condition that stops you from working normally or attending to your typical job. The terms and conditions vary from one insurance policy to the next, making it crucial that you speak to an experienced lawyer to help you understand your rights.
The different types of claims through insurance include:
- Income protection insurance claims
- Total and Permanent Disability (TPD) claims
- Trauma claims
- Life insurance or death benefits
- Early release of superannuation
A majority of people have superannuation or insurance cover that gives benefits for those unable to continue working because of an injury or illness.
However, the process to lodge a claim can be extensive and complex, making expert insight and support extremely important.
As specialists in superannuation, insurance and TPD claims, Attwood Marshall Lawyers are highly qualified and trained to get access to any benefits you may be eligible to. We ensure you obtain what you are entitled to, as quickly as possible.
Frequently Asked Questions about Superannuation, Insurance and TPD Claims
If you are not able to work because you have suffered an injury or illness, you may be able to claim for benefits.
The easiest and fastest way to find out if you are eligible is to get in touch with our TPD team. TPD lawyers can assess your case and make rapid enquiries into your situation to help you find the support and entitlements you carry rights to. Depending on your case, you could be able to make multiple claims, including:
Total and Permanent Disability (TPD)
If you have suffered an injury or illness and cannot work because of these circumstances, you may be able to put forward a TPD claim.
If you’re unable to continue working because of an illness or injury, you may be able to claim income protection or salary continuance payments, which can pay up to 75% of your typical income on a continuous basis for a definitive period (whether two years or up to the age of retirement).
If a death of an insured person has occurred, their nominated beneficiary (typically their spouse/partner, child or next of kin) may be entitled to claim life insurance as a lump sum payment.
Whether or not you can go to work, you may be able to access benefits under a trauma claim, if you have experienced an injury, condition or form of sickness.
In relation to TPD claims, you need to prove that you cannot work due to injury or sickness, and that your situation and inability to work align with the terms of your TPD policy (for example, you cannot head back to work in any occupation, or that you cannot return to work in your usual role).
In terms of Income Protection claims, you must be able to prove that you cannot work due to injury or illness and that you are not actively working.
For claims relating to Insurance Protection or Trauma, you must show that the terms of the policy are fulfilled.
Each policy is unique from the next. It is important that you get legal advice about what benefits you can claim in terms of your own situation.
The insurer must pay the benefit, not your employer.
How much you can claim depends on the conditions and terms of your policy.
The process typically takes 6 to 18 months to resolve. More complex claims may take longer, whilst some can be paid out quickly.
If your claim is denied, you will have a gateway to appeal the decision from the insurer. If you are unsuccessful with your appeal, you need to take the matter to court.
To get the best possible opportunity for success, contact Attwood Marshall Lawyers on 1800 621 071.
Time limits aren’t typically active for a superannuation claim; however, they should still be lodged as quickly as possible.
If you have been rejected, you will have a limitation on the time you have to appeal the decision. If your claim isn’t lodged in time, your application may be precluded.
The sooner you obtain legal advice, the better your chances of success.
Attwood Marshall Lawyers operate on a No Win, No Fee model for superannuation, TPD and insurance claims, which means you are only responsible for paying fees if your claim is successful.
In most cases, we offer a fixed fee.
Attwood Marshall Lawyers have helped injured workers across the Gold Coast in cases against insurance companies for over seven decades.
Our professionals are trained to listen to your story and help you understand what you’re entitled to. Our lawyers are qualified, experienced and skilled in this area of compensation law.
Our service model operates on a No Win, No Fee basis.
We are here every step of the way to make sure you are well-supported and ready to put forward your case.
No Win, No Fee Gold Coast TDP Lawyers
Our service model operates on a No Win, No Fee basis in most cases. This means you only need to pay for fees if your case is successful and you’re able to obtain compensation. Our services have no upfront costs; secure a free no-obligation discussion that lets you understand what you’re entitled to. Visit our lawyers at any of our offices throughout the Gold Coast at Robina Town Centre, Coolangatta or Kingscliff.
Book your Free Gold Coast Consultation
Not able to work because of an injury or illness? You might be able to claim compensation.
Contact our lawyers today by calling 1800 621 071 or fill in your details below. We’ll contact you to book in a free, no-obligation consultation.