What is Total and Permanent Disability?
Total and Permanent Disability, often known as TPD, is insurance commonly held in superannuation funds. TPD means that due to an injury, illness, or medical condition you are unlikely to return to work that is within your education, training and experience.
If you are considered TPD and are unlikely to return to work, your super fund will pay you a lump sum compensation.
Are you unable to return to work?
TPD insurance compensation is payable if you are unable to return to work.
However, you do not need to be unfit for ALL types of work, only the work that is within your education, training and experience.
This means, you only need to show that you cannot return to work that you are suited for. This does not include occupations outside of your skills and work history.
When assessing TPD claims, consideration is given to all of the following:
• Physical limitation
• Psychological conditions
• The realistic likelihood of returning to work
• The prospect of you finding employment
If you would require retraining to return to work, you may still be eligible for TPD. It is not necessary to have a WorkCover, TAC or Centrelink claim in order to pursue TPD.
What injuries, illnesses and medical conditions does TPD cover?
TPD insurance covers a wide range of injuries, illnesses and medical conditions including:
• Physical injuries which can include a sporting injury, injury in a public place, an injury at home
• Cancer, heart attack or stroke
• Diseases such as motor neurone disease, MS or autoimmune conditions
• A psychological condition
• A Workplace injury
• A transport accident injury
You can make a claim regardless of how your injury, illness or medical condition came about.
What if my TPD claim was rejected?
If your TPD claim is rejected, Zaparas Lawyers can help you challenge the decision.
Time limits apply with rejected claims, so it is important that you see a specialised superannuation and insurance lawyer as soon as possible.
Our dedicated superannuation and insurance claims team at Zaparas specialises in challenging insurer decisions. We will ensure that you are supported and guided throughout the claims process from start to finish.
No Win, No Fee
We've seen how traumatic and life changing an injury or illness can be, so we understand how important it is that you don't have to worry about the financial side of your claim.
Learn More About No Win - No Fee
Why Zaparas Lawyers
Many people are not aware of their ability to make a claim through super because it is not common to receive the policy documents.
Every claim is important to us. Our dedicated team of superannuation specialists will approach your claim with skill, knowledge, and care.
Your file will be conducted by a lawyer who specialises and has experience in the area of superannuation claims.
Our team can guide you through the process and help make a claim for a benefit at a time you need it most.