One of the most common concerns of filing TPD claims is the possibility of having your claim denied by the insurer. To ensure a successful claim, working with TPD claim lawyers is important. Most common TPD Insurance Claim Tricks are evaluated twice – first by your superannuation fund and then by the insurance company. Both parties will scrutinize your claim for potential weaknesses that could be used to reject it. By collaborating with our team of TPD insurance lawyers in Sydney, you can rest assured that we will help you navigate common traps and loopholes while filing your TPD claim.
In this blog, we look at the essential tricks to follow while filing a Superannuation TPD claim.
1. Identify your super funds and respective TPD policies
If you have held multiple jobs over the years, you will have multiple superannuation funds. This means you may have multiple TPD policies that you can claim against. Gather your member statements to determine the insurance cover included in each fund. You have to start by making a list of all the super funds with TPD policies. TPD Insurance Claim Tricks helps you to determine what policies you are entitled to
2. Identify which policy was valid when you became indisposed for work
TPD Claims are filed when you have been unable to work for three or more months due to an illness or injury. To make a claim against a policy, it necessitates that the policy must be valid when you suffered injury or became ill. Figuring out the exact date of your injury or illness can sometimes be difficult. In such a case, consider the date you were first informed about your injury or illness. Now, look at your list and identify which TPD policy was valid for your injury/illness date.
3. Get a thorough understanding of your TPD policy’s terms
Once you have identified which TPD policy you’re claiming against, take some time and read through all its terms carefully. The most common TPD claims offer compensation in either of the two situations:
- If you’re unable to return to work in your occupation
- If you’re unable to return to work in any occupation
If need be, get advice from TPD insurance lawyers to understand the approval criteria mentioned in your policy. This will give you a clear understanding of whether you are eligible for getting a lump sum amount as payment.
4. Submit the Claim form with all supporting evidence
This is the most important part of filing your superannuation TPD claim. While submitting your Claim form, provide all the supporting documents and medical evidence to support your claim. Consult with experienced TPD Insurance Claim Tricks help you to compile all the evidence. This will increase the chances of getting your claim approved.
5. Include a written submission with your Claim form
Submit a written application explaining why your situation satisfies the TPD criteria of your policy. We have specialists who can help you write these submissions. When an insurer sees a well-written submission, they know a professional lawyer is handling the claim and makes your claim look more valid.
6. Follow up with the insurer
Once the Claim form has been submitted, follow-up with the insurer to know if they need more information; don’t assume the insurer will reach out to you – that can cause a delay. You do a follow-up and make sure they have everything they need.
7. A rejected claim is not the end
If the insurer denies your TPD claim, it is not the end of the road. There are options available to dispute the decision of your insurer. TPD insurance lawyers have the experience and expertise to deal with such situations. You can still make a successful TPD claim with their help.