TPD Claims & Super Lawyers Darwin
Darwin – Total and Permanent Disability Claims
If you’re suffering as a result of an accident, injury or illness that’s preventing you from working, you may be eligible for TPD claims (Total and Permanent Disability) or claims from your Superannuation policy. If the injury or illness has caused you to be unable, for six consecutive months, to do the work you did before the accident or illness, you may be eligible for a TPD payment. At PK Simpson in Darwin, we strongly recommend that anyone in this position should check with our specialist Super Lawyers and TPD Lawyers to find out if they could be entitled to lodge Super claims or TPD claims. They may be able to receive a lump-sum TPD payment if they can’t work any longer in the same capacity as they did before the injury or illness occurred.
The benefits available from Super claims, or TPD claims from an insurer, can provide an income, cover accrued debts and medical fees to help as far as possible to restore the person’s quality of life. If a parent or partner (anyone a person depends upon) dies, the person may be eligible to claim death benefits from the deceased person’s private insurer or make Super claims help with financial burdens. Individual policies do vary in their levels of TPD cover, wait times, and the length of time in which benefits are payable. So, if you can’t work for the reasons outlined above, PK Simpson’s TPD claims and Super Lawyers in Darwin can help make sure you are eligible for and receive your maximum lump-sum entitlement.
At PK Simpson Darwin our TPD claims Lawyers and Super Lawyers focus on keeping our clients supported and kept up-to-date through the TPD claims process.
Our expert TPD Lawyers will handle your claims, maximising every one, making sure no stone is left unturned.
What sort of compensation can I expect?
I Live in Darwin, Can I Make TPD or Super Claims?
Yes, if you live in Darwin or any state or territory of Australia, you can make TPD claims, and Super claims be these from a private insurer or Super fund if you can no longer work. You can make TPD claims as long as you’ve been employed and have Superannuation cover or private insurance with TPD cover. However, there’s much variation between the different Super funds and other insurers concerning TPD, and between each policy as well, so it can be rather perplexing if you try to do this on your own – our Lawyers know who can and who cannot submit Super claims and TPD claims. To be classified as totally and permanently disabled, or TPD, a fund member or policyholder, wherever they live in Australia, must:
- Be classified as not capable because of illness or injury of working in any job for which they are reasonably qualified by experience, training, or education
- Have discontinued working as a result of such illness or injury
- Be aged under 65 on the date that they discontinued work due to the above
- Have TPD cover in their private insurance or Super policy on the date they stopped work for the reasons stated above
You may be able to make TPD claims or Super claims from:
- Employment Disability Insurance
- Life insurance
- A private Superannuation fund
- Trauma insurance
- Sickness or Accident Insurance
- Income protection Insurance
- Loan protection insurance
- Mortgage protection Insurance
The payment amount you may be entitled to receive could range from $10,000 to over a million in some cases. However, if you need more information about this or you’re unsure about any part of TPD claims, or Super claims, do contact your Super fund or call PK Simpson and chat to a specialist from our team of TPD Lawyers or Super Lawyers in Darwin for expert advice.
No Win, no fee! At PK Simpson Darwin we can help you with your Super claims and TPD claims!
Wherever and however your injury occurred, it’s worth talking to us – You’re in safe hands with PK Simpson TPD claims Lawyers – Never settle for second best
How do I make TPD claims and Super Claims?
Detailed steps must be taken to submit successful TPD claims and Super claims and these depend on which Insurance agency or Super fund handles your policy. It also depends on whether or not your policy actually covers you for your TPD. To heighten your chances of successful Super claims for TPD or other TPD claims, we seriously advise you to seek legal help because the claims process can be stressful and lengthy. At PK Simpson Darwin, our specialist TPD Lawyers and Super Lawyers can make sure you receive the benefits to which you are legally entitled. The following are some of the general requirements for making TPD claims, be these Super claims or from another insurer:
- Your employment history – You can only make TPD claims, according to some policies, if you have had a minimum level of employment.
- Waiting periods – So all injuries, illnesses and symptoms have enough time to stabilise and show the full spectrum of damage, some policies will want you to wait a certain time before lodging Super claims or TPD claims – but it’s vital to seek legal help as soon as possible after your injury or illness, so you’re ready to lodge your TPD claims when they’re due.
- The level of your disability – When submitting Super claims or other TPD claims, you will no doubt be asked to prove you have a minimal level of disability which will be considered to determine when you can or cannot return to your job, or whether you can work at all.
- Permanent disability payouts – The sum of money payable from TPD claims and Super claims is usually based on how many weekly work hours you were employed, or the length of your employment.
TPD Lawyers, Super Lawyers
It can be very stressful, complicated, and bewildering to make TPD claims from a superannuation fund or private insurer without legal help, so let our specialist TPD Lawyers at PK Simpson Lawyers in Darwin be of service. We can make certain you receive the best possible outcome from your TPD claims or Super Claims, so it’s essential that you have a legal representative on your side because the law is complex. But to protect yourself, your family and future, ensure you contact us as soon as possible after your illness or injury. PK Simpson Darwin has teams of specialist TPD Lawyers who can advise you on Super claims and which benefits you may claim; they will explain the entire process, and also advise you on what to do if you have claimed on your own and been rejected. We can make sure you receive the payments to which you are legally eligible to receive from your Super claims or TPD claims from a private insurer.
Is there a time limit to make TPD claims or Super claims?
Yes, there are time limits in which you must lodge Super claims and TPD claims. Therefore, it’s crucial that you act as fast as you can to obtain professional, expert legal advice from our specialist TPD claims or Super claims Lawyers in Darwin before you lodge a claim. If you’re ill and confined at home, our PK Simpson TPD Lawyers and Super Lawyers in Darwin can send documents by post or email them, so it’s not even necessary that you meet face-to-face with our TPD and Super Lawyers. The important thing is to act quickly and get legal advice because time limits might begin to run out after you’ve stopped working, or in the case of rejected TPD claims, after the date that your insurer or Super fund declined them. PK Simpson TPD Lawyers can rework and resubmit rejected TPD claims, and Super claims so don’t throw in the towel if your claims are denied.
PK Simpson in Darwin has teams of specialist TPD claims and Super claims Lawyers on hand with the necessary skills, experience and personnel to manage all TPD claims.
We also win more than 99 percent of our cases!
If you have a Super fund or an insurance policy with TPD cover and you suffer from an illness or have had an injury that prevents you from doing your job, you may be entitled to a lump-sum payment from Super claims or TPD claims. Contact PK Simpson in Darwin today and talk to one of our specialist TPD Lawyers about TPD claims or Super claims on 1300 757 467 or send us an email to enquiries@pksimpson.com.au.
Darwin Location
Superannuation Total & Permanent Disability Insurance
Superannuation Funds in Australia
- AIA
- AMP
- ANZ
- Australian Super
- Australian Ethical Super
- BT Super (Part of the Westpac Group)
- Care Super
- CBUS (Construction and Building Unions Superannuation)
- Club Plus Super
- Colonial First State Super
- Comminsure Super
- Commonwealth Bank
- EIS Super
- Energy Super
- First Super
- First State Super
- Hesta Super
- Hostplus Super
- Hub24 Super
- IAG & NRMA Superannuation Plan
- IOOF Super (Independent Order of Odd Fellows)
- LUCRF (Labour Union Co-operative Retirement Fund)
- Industry Super Funds
- Kinetic Super
- Legal Super
- Local Government Super
- Maritime Super
- Media Super
- Mercer Super
- MLC (Owned by National Australia Bank – NAB)
- MTAA (Motor Trades Association of Australia Superannuation Fund)
- Nationwide Super
- NGS Super
- Onepath Super
- Perpetual Super
- Plum Super
- Prime Super
- REI Super
- Rest Super
- Russel Super
- SA Super
- Statewide Super
- Sunsuper
- TAL
- Telstra Super
- TWU Super
- Unisuper
- Vision Super
- Westpac Super
- Qantas Super
- QSuper Insurers
- Onepath
- TAL Life Ltd Pty
- Nulis Nominees
- Metlife
Superannuation Total & Permanent Disability Insurance
Superannuation Funds in Australia
- AIA
- AMP
- ANZ
- Australian Super
- Australian Ethical Super
- BT Super (Part of the Westpac Group)
- Care Super
- CBUS (Construction and Building Unions Superannuation)
- Club Plus Super
- Colonial First State Super
- Comminsure Super
- Commonwealth Bank
- EIS Super
- Energy Super
- First Super
- First State Super
- Hesta Super
- Hostplus Super
- Hub24 Super
- IAG & NRMA Superannuation Plan
- IOOF Super (Independent Order of Odd Fellows)
- LUCRF (Labour Union Co-operative Retirement Fund)
- Industry Super Funds
- Kinetic Super
- Legal Super
- Local Government Super
- Maritime Super
- Media Super
- Mercer Super
- MLC (Owned by National Australia Bank – NAB)
- MTAA (Motor Trades Association of Australia Superannuation Fund)
- Nationwide Super
- NGS Super
- Onepath Super
- Perpetual Super
- Plum Super
- Prime Super
- REI Super
- Rest Super
- Russel Super
- SA Super
- Statewide Super
- Sunsuper
- TAL
- Telstra Super
- TWU Super
- Unisuper
- Vision Super
- Westpac Super
- Qantas Super
- QSuper Insurers
- Onepath
- TAL Life Ltd Pty
- Nulis Nominees
- Metlife
We are Australia’s Superannuation Total & Permanent Disability (TPD) Claims Experts
The general definition for total and permanent disability cover is the following:
“A member ceases to be gainfully employed due to injury or illness for a period of 3 or 6 months and after satisfying the fund that the member is unable to return to their usual occupation or any employment for which they are educated, trained or experienced.”
Each insurer has their own definition for total and permanent disability (TPD) and within that will define certain words further restricting and tightening the definition. Policies will also set out various definitions of TPD which apply to its members depending on your type of cover.
Lost Super Fund Search
There is over 4 billion dollars of unclaimed super in Australia. Much of this money is sitting in holding accounts managed by the government. How does this affect your TPD? If your superfund account was active at the time you stopped work you could still be covered even if the account is closed. We can make enquiries with the ATO to discover all the superannuation funds you have been a member of.
Our clients often have more than one superfund which owes them money. Your superfunds won’t tell you to make a Total and Permanent Disability (TPD) claim and many Australians have no idea Total and Permanent Disability insurance even exists, so if you have stopped work due to an injury or illness, contact us to start your superannuation TPD claim.
Preservation Age and gaining access to your Super
Once you have reached your preservation age and you have permanently retired, your superfund will release your account balance. The preservation age varies with funds. It can range from 55 to 65 years old. If you have reached your preservation age, your TPD benefit and account balance will not be taxed when released to you.
If you are under your preservation age when claiming your total and permanent disability benefit a certain lump sum portion will be taxed and portion will be tax-free. The amount you will be taxed can only be calculated by the superfund at the end of a claim.
It’s important to remember that a Total and Permanent Disability (TPD) benefit is a separate insurance claim which sits separate to your account balance. On approval of your claim, you will have access to your account balance as well as your TPD Insured benefit which is a lump sum amount.
Can I Make Multiple TPD Claims?
Unlike other jurisdictions, it is possible to make a TPD claim with multiple superannuation funds with which you have active accounts. Every superfund has a their own unique requirements to satisfy paying out a TPD claim. The dates of insurance commencing, the date of your last day worked, whether or not you had previous injuries or illnesses all come into consideration when preparing a TPD claim.
Permanent Incapacity Claim vs TPD Claim
Some people do not hold TPD cover within their super policy. You can still gain access to your account balance by way of a permanent incapacity claim. Special medical reports are still required. Superannuation funds will still assess these claims seriously as these are financial funds they use for investment opportunities.
I Only Have $20,000 in TPD Insurance. Is It Still Worth Claiming?
Contact us to find out how you can claim smaller amounts of TPD. Depending on your type of injury and whether you have a workers compensation claim, third party car accident claim, occupiers liability claim or medical negligence claim with us, we’ll be able to assess your situation and give you guidance.
Psychological injuries resulting in TPD claims
Psychological injuries are best diagnosed by a psychiatrist. Usually your GP and a psychologist will assess you prior to being referred to a psychiatrist. They will also have a clinical history noting your depression and anxiety and other mental disorders. If your GP doesn’t doesn’t raise the issue, it’s best to raise it with your GP yourself. In Australia, a Mental Health Care Plan allows you to have 10 free visits to a psychologist. Your GP provides a referral for this.
It’s very important to have the right medical evidence to support your TPD claim. PK Simpson also has access to specialist doctors who can add further support to the medical evidence already compiled.
Psychological Disorders where we have had successful TPD claims include:
- Major Depression / Severe Depression
- Anxiety
- Post Traumatic Stress Syndrome (PTSD)
- Paranoia
- Schizophrenia
- Bi-Polar
- Mood Disorders
- Personality Disorders
- Substance Abuse Disorders (Alcohol Addiction, Drug Addiction)
- Panic Disorders (Panic attacks)
Often, these disorders come in combinations. Many people who have suffered injuries in traumatic accidents or life debilitating injuries will then manifest various types of mental disorders. A good TPD lawyer will be able to identify the signs and symptoms of mental disorders and recommend you attend a specialist to have the condition diagnosed and documented so that the evidence can support your TPD claim.
Frequently Asked Questions
If you or anybody you know has ceased work due to illness or injury and they cannot return for at least six months they could be eligible to claim TPD benefits. Call PK Simpson specialist TPD lawyers today on 1300 358 057 or email inquiries@pksimpson.com.au.