Total and Permanent Disability (TPD) cover is something many of us have but most are unaware of. Commonly part of your superannuation, TPD is a kind of insurance that covers you if you cannot work due to illness or disability. However, if you do find yourself in a situation where you need to claim on your super for TPD, it can be difficult without getting expert help. This is where the services of a lawyer, like those in the Carew Lawyers team, is essential.
If you think you may be eligible for a claim, there are a number of questions you have to answer before you can find out if you will receive compensation. This flowchart, also available on our TPD page, can help you find out if you are entitled to benefits for TPD:
If you believe you have a case, the next step is to apply for the benefits. This is where professional help and understanding how the process works is important.
There is a waiting period involved with TPD claims. You need to show you have not been able to work or complete ordinary home duties for 3 to 6 months. The next steps can vary greatly from claim to claim but your lawyer can help you through this.
Due to the many discrepancies involved that make each claim so different, the length of time it takes can differ as well. Some factors that can change this include:
- Your superannuation fund,
- The evidence needed to prove your claim,
- How long that evidence takes to collect,
- Whether your super fund wants you to be examined by one of their own specialists, and
- Whether the super fund requires anything else in order to prove your claim.
In most cases, a TPD claim can be resolved in a matter of months.
TPD claims can be complicated and a little daunting without help. With a little understanding and a lot of help from the experts, demystifying Total and Permanent Disability and how it works is easy. Don’t let it drag on, call your nearest Carew Lawyers office today to get started.