PK Simpson Blog

//Head Trauma and TPD Insurance – What you need to know

Head Trauma and TPD Insurance – What you need to know

Head trauma is one of the most serious injuries a person can suffer, with the potential to put them in a coma and leave them with ongoing medical issues that compromise their quality of life. There are also many different ways people can sustain a head trauma – from car crashes to sports injuries and falls in the home.

Research from the Australian Institute for Health and Welfare has also found that brain injuries are highly complex. Those living with the effects of a brain injury suffer a greater decrease in their quality of life than the average for people living with a disability.

What are the potential symptoms of head trauma?

Given the complex nature of head injuries, there are many different outcomes that can affect a person. According to the community group Synapse, there are a number of ongoing potential symptoms, including:

  • Increased irritability.
  • Cognitive difficulties such as memory difficulties and short attention.
  • Difficulties with executive functions.
  • Impulsivity.
  • Anger.
  • Fatigue.
  • Headaches.
  • Depression.

These conditions associated with head trauma may limit a person’s ability to work, requiring ongoing medical care and additional expenses. This makes it important to understand what options are available to recoup these costs.

How can making a total and permanent disability (TPD) insurance claim help?

Because of the severity of head injuries, it’s important for those involved to look at their options. If they are likely to spend more than six months off work, making a claim against their total and permanent disability insurance – included as part of a superannuation scheme – is a valuable option to pursue.

Taking this action is important because of the financial strain that can come with a head injury. Time off from work can obviously leave individuals in a difficult position, while medical treatment and other ongoing costs from an accident can put unnecessary strain on a person’s finances.

When making a claim against your total and permanent disability insurance, there are a number of different considerations that will need to be made. For example, you should think about what other forms of insurance you hold, including private health insurance, that might be relevant when you make a claim.

If you have a chronic illness and have been unable to work for six months or longer then make sure to contact an accident lawyer to discuss making a claim against your superannuation total and permanent disability insurance.

By | 2018-03-14T09:36:29+00:00 July 31st, 2015|PK Simpson Blog|Comments Off on Head Trauma and TPD Insurance – What you need to know

Call Now