TPD Claims
Having an experienced lawyer working on your TPD claims is crucial. While your situation may seem straightforward, it is important to understand what your life insurance or superannuation fund covers, how to proceed with a TPD claim, and how to appeal if your claim is denied.
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TPD Claims. What Are They?
Workers file TPD claims after an illness or injury impact them so severely that they are not able to do the jobs they are suited to perform. The condition or injury does not need to be work-related or happen on the job.
Often, superannuation policies provide TPD insurance cover. However, if you do not have this insurance, it is possible to appeal to your superannuation for the release of funds on compassionate grounds.
You typically have a waiting period while the permanence of your disability and your capacity to perform the jobs you are suited for is determined.
Total & Partial Disability Claims
What Am I Entitled to Claim?
A TPD claim is paid in a lump sum. You will not receive separate payments for lost wages, pain and suffering, and home assistance as other personal injury claims. Instead, the insurer or your superannuation fund will assess your claim based on a number of factors, including:
- The terms and exclusions of your insurance cover
- Circumstances of your injury
- Medical evidence regarding your injury
- Proof your injury is permanent
- Whether you are permanently unable to perform the work to which you are suited
- If your condition is stable or if it is likely to worsen
- Whether you meet the criteria outlined in the policy, such as waiting periods and time with your employer
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Why Should I Engage a Lawyer?
Having a lawyer who has experience working with total and permanent disability cases is crucial when you set out to make a TPD claim. Even though your situation may sound straightforward, you will need to understand the benefits of your life insurance or superannuation fund, how to file a TPD claim, and what steps to take if your claim is denied.
Experienced TPD lawyers will take this weight off your shoulders and be in your corner throughout the process.
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What is Total and Temporary Disability Insurance (TTD)?
Total and temporary disability insurance will pay workers who have injuries that prevent them from working for a period of time. For example, a hairstylist who breaks her wrist will eventually return to work. She would receive TTD payments when she could not style hair, and the payments would cease when she returned to work. This differs from total and permanent disability, which involves an injury that completely prevents returning to work.
An example of this would be a hairstylist who loses the use of her arm in an accident. She cannot return to work at any point.
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Why Should I Contact the No Win No Fee Perth Lawyers?
At No Fee Injury Lawyers, we have experienced total and permanent disability lawyers. After winning hundreds of TPD claims, we understand what details are necessary for your claim to be accepted. Being skilled negotiators helps ensure that a minimal number of TPD claims go to court.
However, in the event that you go to court, our litigation skills are second to none, and we will fight for what you deserve. Should your claim not succeed, you will not owe our law firm anything. If we don’t win, you don’t pay.
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Recovering From an Injury
Every person will recover from injuries and illnesses at their own rate. For this reason, it is vital that you follow your doctor’s advice regarding follow-up appointments and physiotherapy and not try to do too much.
Additionally, you should not concern yourself with attempts to dissuade you from your TPD claims or press you to sign off on anything. If you are approached in these ways, calmly refer the person (s) to your No Fee Injury Lawyers, and we will ensure your recovery will not be disturbed again.
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If you’ve been injured in an accident, the No Win, No Fee Lawyers in Perth can help you get compensation for your long-term injuries that result in a total or partial disability.
You cannot turn back time, but you can learn to live with your total or partial disability and move forward with your life. With our no win, no fee policy, you will not owe anything if we do not win your case and rest assured that you will receive the best representation.
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Frequently Asked Questions
What Is Considered to Be a Permanent Disability?
A permanent disability is an illness or condition that affects a major life function over the long term. It is a term used in the workers’ compensation field to describe any lasting impairment caused by a work-related injury or illness.
Do I Pay Tax on a TPD Payout?
The money you receive from your Total and Permanent Disability (TPD) insurance payout is not considered taxable income. If you withdraw any of your TPD payment as a lump sum, however, you’ll need to pay tax on it.
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