TPD Eligibility

TPD Claim Eligibility with Claimsplus Lawyers

Total and Permanent Disability (TPD) insurance offers a lifeline as a lump sum payment if you're rendered totally and permanently disabled due to an illness or injury. This support can significantly aid in covering rehabilitation expenses, repaying debts, adapting to lifestyle changes, modifying your home, and providing for dependents, among other needs.

Eligibility Criteria for a TPD Claim:

1. TPD Coverage is Essential:

   • Your superannuation policy often includes TPD insurance. Reviewing this policy or checking with your superannuation fund to confirm you have this coverage is crucial.

2. Meeting the TPD Definition:

   • The definition of TPD varies across policies. Generally, it means having a condition that stops you from working in your current profession or any other job suitable to your skills and qualifications. Some policies may also require evidence that you are unlikely to return to work.

3. Adhering to Waiting Periods:

   • Many TPD policies stipulate a waiting period, typically between 3 to 6 months, after ceasing work due to your condition. During this time, you should be under continuous medical care.

4. Age Limits Apply:

   • There's usually an upper age limit for TPD claims, often around 65 years.

5. Work History Matters:

   • Some policies require a certain level of employment history, such as working a minimum number of hours per week, before the onset of your illness or injury.

Navigating Unique Policy Stipulations:

It's vital to recognise that each insurance policy has its unique stipulations. Additional or differing criteria may apply to your situation. When in doubt, seeking advice from a TPD claims specialist is advisable. They can help clarify your policy's terms and guide you through the claim process.

How Claimsplus Lawyers Can Assist:

Claimsplus Lawyers is committed to assisting you in navigating the complexities of TPD claims. Our expertise lies in helping you understand your eligibility and guide you through each step towards submitting a successful claim.

Take Action:

Contact us today to connect with our team of experienced claim specialists and start your journey towards understanding and potentially realising your TPD claim.

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