Suffering from a mental illness or physical injury means you cannot work and provide financial assistance to your family. However, TPD claims can help during such unfortunate times by offering financial support to those with severe illness, injury, or disability. If you prove that you are totally and permanently disabled and cannot work somewhere, you may be eligible for TPD insurance. 

The entire process of claiming TPD insurance can be challenging and time-consuming. Therefore, you would want to have every possible chance to make it a success. 

Since there are countless ramifications and paperwork involved in the claiming process, you should consider the assistance of an experienced TPD claim lawyer who can help you achieve the best possible outcome. 

If you are concerned about such consequences, here are some common tricks and traps you should consider when lodging a TPD insurance claim.

 

Tricks When Claiming TPD Insurance

1. Prove Your Work Incapability

One of the most common myths about TPD is that a person needs to be “totally” and/or “permanently” disabled, which is true to a certain extent but not entirely. The total and permanent criteria often leave people thinking that they need to have a catastrophic disability, injury, or illness to claim for TPD. 

However, the actual meaning behind this criteria is to prove your incapability towards work because of the disability, injury, or illness. Totally and Permanently Disabled (TPD) claim is only entitled to those having a severe injury, illness, or disability that restricts them to work somewhere and use their skills. You might want to check the trust deeds and insurance policy to determine whether you are eligible for TPD. 

In such cases, you should consider the assistance of an experienced TPD insurance lawyer who will guide you throughout the claim process. They will also help understand the most common TPD claims.

 

2. Seek Expert Advice

Most individuals with severe injury, illness, or disability who plan to claim their TPD benefits are often been told by their super fund or insurer that they are likely to receive claim benefits if they are not disabled enough. 

They feel dejected from the start of the claim process, thereby feeling overwhelmed with such advice. If this happens, you should consider the assistance of an expert superannuation TPD insurance claim lawyer who will provide you with accurate and adequate information on the 

TPD claim process. Some insurers try to find a loophole or trick you into making an error in the TPD claim process so that it can be rejected. A TPD lawyer involved in the process will ensure such scenarios do not occur and assist you throughout the 

TPD claim process to obtain the best possible outcome. Always seek quality advice from an expert before starting your TPD claim process.

 

3. Understand the Approval Criteria

One of the key aspects of a successful TPD claim is to understand the terms of the insurance policy and its approval criteria. Going through the terms of your TPD policy will give you an insight into the eligibility and approval criteria. 

The term of your TPD policy mentions what qualifies for a lump sum payout. Most TPD policies might cover you for being unlikely to be able to return to work in any/your occupation. You should consider these terms to ensure you obtain a successful TPD claim.

 

4. Work-Based TPD Insurance Definition

If you have been working at the time you got injured or sick and became incapable to work, your TPD claim will be assessed under the usual work-based TPD definition in the TPD policy. 

However, if you were not working at the time you got injured or sick and became incapable of working, your claim may be assessed under different TPD definitions, which can be complex. 

Most insurers take the advantage of such cases by mentioning that your injury or sickness leading to incapability to work was discovered after you ceased to work somewhere. They later conclude that you are not entitled to receive your TPD claim

There are several other reasons your insurer may reject your TPD claim. You can opt to challenge them if their decision to claim rejection was incorrect. You should seek expert advice from an experienced TPD lawyer in such cases.

 

5. Provide Adequate Information and Correct Evidence

Your TPD claim process starts with requesting a claim form from your insurance company. Always mention complete and correct information on the claim form to ensure the process go as smoothly as possible. 

Your insurer will assess your TPD claim and request several documents, including your medical report, medicare documents, tax documents, and other evidence. During the assessment time, the insurer will try to highlight the lack of documents and extend the claim settlement process. 

Therefore, make sure you provide adequate documents requested (or even those not requested) to restrict the insurer from delaying your TPD claim

If you want to claim your TPD without going through such a complex and challenging process, call us on 1800 865 225 today.