Help CentreNavigating TPD Claims While Employed: Expert Guidance
Dealing with an illness or injury that impacts your job performance is difficult, and it often leads to questions about Total and Permanent Disability (TPD) claims. A frequent query is whether you can file a TPD claim while still employed. Here, we aim to clarify this important topic.
What is TPD Insurance?
TPD insurance offers a lump sum payment if you're rendered totally and permanently disabled due to an illness or injury, hindering your ability to work. This type of insurance is commonly included in many superannuation funds.
Eligibility for a TPD Claim When Working
The possibility of making a TPD claim while employed hinges on the specific TPD definition in your insurance policy. Generally, there are two types:
- Any Occupation TPD: This allows for a claim if you're deemed unable to ever work again in any occupation suited to your qualifications, training, or experience.
- Own Occupation TPD: This applies if you're considered unlikely to ever work in your specific occupation again.
You might still be eligible for a TPD claim if you work in a limited capacity or a different role due to your condition. For example, a construction worker switching to a desk job because of an injury could potentially claim TPD under an 'own occupation' definition, as they can't perform their original construction duties.
Factors Influencing Your Claim
Each TPD claim is unique and assessed individually. Crucial factors include your medical condition, the demands of your job, and your policy's specific terms and conditions.
Claims While Working: What to Expect
Insurers scrutinise claims made by those still working. If you can return to your previous role or any job aligning with your skills and experience, your claim may face challenges. It's crucial to prepare for this thorough examination.
At Claimsplus Lawyers, we recognise the complexities of pursuing a TPD claim while employed. Our expertise in this area ensures that we can guide you through the process, considering all relevant factors. If you're considering a TPD claim and are currently employed, we're here to provide the support and advice you need. Contact us for personalized assistance in navigating your TPD claim.
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