QSuper are a government Superannuation fund who service Queensland government workers.
QSuper generally have quite generous policies for their members. However, over the last few years QSuper has changed the criteria to how they assess TPD claims.
What Evidence will QSuper Require
In a nutshell, you must provide QSuper with evidence, such as the initial claim form, 2 medical reports from your 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.
QSuper TPD Definition
As at 1 July 2018, you need to satisfy to QSuper that (amongst other things):
‘You’re unlikely ever to be able to work again in a job for which you’re reasonably qualified by education, training or experience that you’ve acquired or could reasonably be expected to be able to acquire in the future within a suitable rehabilitation/ retraining program’
As you can see highlighted, you now need to prove with medical evidence that not only are you unlikely to return to work within your education, training or experience, but you also have to prove with medical evidence, that you are unlikely to return to work even if you undergo suitable rehabilitation or a retraining program.
This definition has now added complexity to the claims process, and as at the date of this blog being published, is not one of the questions in QSuper’s “doctor statement.” Therefore, QSuper will often request this question be answered by your treating doctors. If your doctors say yes to undergoing “rehabilitation or a retraining program” then often QSuper will have you be assessed by a “Occupational Physician” who specialises in return to work. This is where QSuper may look at declining the claim because medical evidence suggests that you can undergo a retraining program and return to work, at least part-time.
WKB TPD Lawyers has seen this many times and receives a weekly call from frustrated client’s has been declined for this very reason. It’s very important to seek legal advice from WKB TPD Lawyers if you are intending to make a QSuper TPD claim.
WKB TPD Lawyers make sure the I’s are dotted and the t’s are crossed.
QSuper 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.