As of 3 June 2019, Zurich Life took over One Path from ANZ. One Path are also the insurer for many Superannuation Funds.
What Evidence will One Path Require
In a nutshell, you must provide One Path with evidence, such as the initial claim form, 1 medical report from your treating doctor and 2 Permanent Incapacity certificates signed by 2 treating doctors, that supports that you can no longer work in an occupation for which you are reasonably suited by way of education, training or experience due total permanent injury or illness. In other words, your resume.
However, this is only the start, the TPD process can be onerous and often a lot more information is requested including but not limited to:
- Clinical notes from all your treating doctors;
- Your statutory benefits claim file if you were on Workcover or receiving benefits under a CTP scheme;
- Information from your employer in the form of employer statement;
- If self-employed, your BAS, business tax returns, and payslips;
- ATO Records;
- Medicare Records; and
- Centrelink Records.
One Path Standard TPD Definition
As a result of illness or injury, the life insured
- Has been absent from, and unable to, work for three consecutive months; and
- Is disabled at the end of the period of three consecutive months, to such an extent that they are unlikely ever again to be able to engage in any occupation:
- For which they are reasonably suited by their education, training or experience
- Which is likely to generate average monthly earnings of at least 25% of the life insured’s average monthly earnings in the 12 months before claim
WKB TPD Lawyers make sure the I’s are dotted and the t’s are crossed. Unfortunately, TPD claims can be very hard to get approved due to the Insurer not wanting to pay, multiple requests for information, delaying your claim by poor communication practices or requesting you to see multiple specialists.
One Path TPD claims can be quite complex, it’s very important to contact WKB TPD Lawyers on 1800 865 225 or visit our website www.wkblawyers.com.au to see if you may be eligible.
WKB TPD Lawyers are not a generalist personal injury firm, in fact we only do TPD claims.