How do I make a TPD claim?

There are two ways you can make a claim on your superannuation TPD policy including doing it yourself or engaging a lawyer.

If doing it yourself, this is the general process:

1. Contact your superannuation company and advise them of your condition and the last date you worked.
2. Have a phone interview with a Claims Assessor to determine your eligibility to apply.
3. Submit a formal application together with supporting documentation including the Claim for Total and Permanent Disablement Benefit form (which must be filled out by both you and your doctor), identification and medical evidence of your injury.
4. A claims assessor will check your application, assess your eligibility for payments. They may make numerous requests for additional information or documentation.
5. A written decision will be provided to you either accepting, declining, or deferring the claim.

Your insurer may defer your application for a period of time if it’s unable to make a decision based on the medical evidence available regarding the extent of your disability and whether or not it will be permanent.