Your Superannuation fund usually provides for the possibility to make a TPD insurance claim where you cannot work because of a total and permanent disability.
The total and permanent disability need not be ascribed to a work injury or be caused by your employer.
This is a lump sum insurance payment that doesn't affect your superannuation balance. Smith's Lawyers can check your TPD insurance entitlements on your behalf and handle your case to ensure that you receive your full benefits.
Insurance companies sell TPD insurance as a separate product for income protection. This will suit a person with his or her own business.
With Total & Permanent Disability (TPD) insurance you don't have to identify someone who is at fault. It protects you against economic loss if you cannot work due to a medical condition like an illness or an injury. However, you have to comply with the terms and conditions of your insurance policy to be able to claim a lump sum amount.
Smith's Lawyers can help you make a claim, or review your claim if your super fund has rejected your TPD claim. It's advisable to follow the claims process meticulously and to provide extensive evidence of your disability.
Talk with an experienced
workers comp lawyer to learn more.