Are you worried about getting a claim for your insurance? It’s not as easy as it sounds. Usually, many legitimate TPD insurance claim are either denied or abandoned because the procedure is too time-consuming and technical.

Here are the seven stages to a successful TPD claims process, including advice from TPD lawyers on winning a claim and earning a lump sum TPD payment for your accident or sickness. “Completely and permanently incapacitated” varies from insurer to insurer. Either of the following is covered:

  • Your own occupation: You were affected by a life-changing incident at the time of employment and as a result, you were unable to return to work.
  • Any occupation: You’ll be covered if you’re unable to ever work in any job suited to your education, training and experience. More often than not, this is the more affordable option but it has a higher threshold when claiming. This means there’s a lower chance of it being paid out.

To Be successful in TPD insurance claim, Follow These Simple Steps: 

Check your super first

The first step is to identify all of your super accounts and TPD policies. Even if there are efforts to avoid this from occurring in the future, many individuals have several super funds due to working in various occupations. Those with multiple super funds may be eligible for a number of TPD claims.

Discovering your statements aren’t always going to be an easy or quick process. Start by compiling your statements from your super. This will show you what insurance coverage you have with each individual fund. Depending on your circumstance, it is recommended you complete research on Insurance Claim Lawyers.

The policies in effect when you were sick or wounded should be reviewed

For a claim against a policy to be legitimate at the time of your injury or illness, you must readily have your insurance information. To determine which TPD rules were in effect, do some digging.

WKB Lawyers has the experience and expertise when it comes to policies. Most illnesses and injuries occur suddenly and develop over time. WKB Lawyers will sort through your plans and medical history and get in touch with your insurance company on your behalf.

Submit a complete application that includes all supporting documentation and medical records

A successful TPD insurance claim begins with this crucial step. Many individuals fill out the papers without appropriate details. If you’re unable to provide your insurer with all evidence to support your TPD claim, the process may be lengthy and frustrating. This encourages individuals to quit, despite missing out on the money they deserve.

A thorough written submission of why your TPD insurance claim should be granted should be included in your application 

TPD claimants who have had their claims denied often forget this step. A well-written TPD submission demonstrating how your circumstance meets the requirements. Our TPD experts write hundreds of these submissions each year. Well-written submissions are assigned to insurers of legitimate claims, meaning they are more likely to be accepted. Alternatively, a poorly constructed claim submission or application indicates to the insurer that the claim is not genuine.

Next, check-in with the insurance to see whether everything is in order

Avoiding delays and irritation in the TPD insurance claim process is easier if you are proactive. Ensure that nothing is missing or incorrectly filled out. Follow up with the claim assessor to ensure they have everything they need from you so they can inform you if anything is missing or incorrect.

If your claim is denied, you must go through the dispute procedure

Have you had your TPD claim rejected? When your TPD claim is refused, you may feel angry, frustrated, and worried about the financial well-being of your family. Whilst we understand clients’ tendency to express their frustrations via letters of complaint, consider a few things before doing so.

The first thing is to thoroughly examine your insurer’s rationale for rejecting your claim. Is it possible that they misunderstood or mischaracterized your condition or impairment?

You may be presented with the opportunity for a review for the insurer to reconsider its decision. Seeking a second opinion may be time-consuming and challenging, especially if legal issues are at play. Finding a TPD legal firm like WKB Lawyers will help you navigate these challenges and point you on the right path.

Lastly, long-term sickness or injury may make it hard to return to work. Medical and rehabilitative expenses for you and your family might be paid for with TPD insurance or Superannuation Claims. Many of our customers have successfully appealed insurers’ decisions to previously deny their TPD claims via the use of our legal services.

If you have stopped work due to injury or illness and are unlikely to return to work within your education, training or experience in other words, your resume, then you may be eligible to make a TPD insurance claim. Unlike other law firms, WKB TPD Lawyers solely practise in TPD claims.