Top Tips for TPD Claims

Unlocking Your TPD Insurance Benefits

If an illness or injury prevents you from working, Total and Permanent Disability (TPD) insurance can provide essential financial support. Many people are unaware they hold TPD coverage, often included as part of their superannuation policies.

At Claimsplus Lawyers, we guide you through the TPD claims process, ensuring you understand your entitlements and submit a strong application. Here are the key steps involved:

7 Steps to a Successful TPD Insurance Claim

1. Understanding TPD Definitions

• The definition of ‘Total and Permanent Disability’ can vary significantly between policies.
• Some policies assess eligibility based on:
  • ‘Own Occupation’: Your ability to return to the specific job you held.
  • ‘Any Occupation’: Your ability to perform any type of work suited to your skills and experience.
• Our lawyers help you interpret your policy’s criteria and gather the evidence required to meet these conditions.

2. Completing the Claim Form

• Claim forms require detailed information about your condition, work history, and financial circumstances.
• Errors or incomplete responses can delay your claim.
• At Claimsplus Lawyers, we ensure your claim form is accurate, comprehensive, and tailored to meet the insurer’s expectations.

3. Gathering Medical Evidence

• Strong medical evidence is the backbone of any TPD claim. This includes:
  • Doctor’s reports.
  • Specialist assessments.
  • Detailed treatment histories.
• We work closely with medical professionals to secure the documentation necessary to align with your policy’s criteria.

4. Supplying Adequate Supporting Evidence

• Beyond medical records, insurers often require evidence of your daily life and pre-disability capabilities.
• Additional supporting documents may include:
  • Personal statements.
  • Work capacity assessments.
  • References from healthcare providers or employers.
• Our team helps identify and compile all relevant evidence to strengthen your claim.

5. Following Up with the Insurer

• Insurers may take weeks—or even months—to process a claim.
• At Claimsplus Lawyers, we actively follow up with insurers to prevent unnecessary delays and ensure your claim progresses smoothly.

6. Reassessing Denied Claims

• A declined claim isn’t the end of the road.
• Insurers may reverse their decisions with additional evidence or a reassessment of their initial findings.
• We specialise in:
  • Identifying weaknesses in the insurer’s decision.
  • Re-submitting claims with stronger evidence to secure a positive outcome.

7. Considering Legal Action

• If all else fails, legal action may be an option.
• Our lawyers assess the viability of challenging the insurer’s decision in court, leveraging extensive experience in TPD claim litigation to fight for your entitlements.

Partner with Claimsplus Lawyers for Your TPD Claim

At Claimsplus Lawyers, we’re not just advisors—we’re your advocates throughout the TPD claims process. Whether you’re initiating a claim, facing delays, or challenging a denial, our team is here to provide:

• Expert Guidance: Tailored advice to navigate the complexities of your policy.
• Comprehensive Support: Assistance with documentation, follow-ups, and evidence submission.
• Professional Advocacy: Representation in disputes, ensuring your rights are protected.

Frequently Asked Questions

1. What is TPD insurance?
TPD insurance provides a lump-sum payment if you are unable to work due to a total and permanent disability.

2. What evidence is needed for a TPD claim?
Key evidence includes medical reports, personal statements, and proof of your inability to perform work under your policy’s criteria.

3. Can I challenge a denied TPD claim?
Yes, a denied claim can often be reassessed with additional evidence or escalated through legal action.

4. How long does it take to process a TPD claim?
The timeframe varies but typically ranges from several weeks to a few months, depending on the complexity of the case.

5. How can Claimsplus Lawyers help with my TPD claim?
We guide you through every step, from understanding your policy to challenging denied claims, ensuring you receive the support you’re entitled to.

Contact Claimsplus Lawyers Today

If you’re considering a TPD claim or facing challenges with an existing one, let Claimsplus Lawyers assist you.