If you have stopped work due to a mental illness, you can claim a little known benefit within your superannuation policy called a TPD insurance. TPD insurance covers you when you cannot return to work due to a psychological injury such as PTSD and other serious mental illnesses as well as other major depressive disorders.
If you’ve sustained a mental illness or injury and cannot work, you can most likely make a claim. At PK Simpson, you’re in safe hands with our firm’s team of specialist compensation lawyers.
We can help you receive the TPD entitlements you deserve.
How Do I Know If My Policy Covers Mental Illness TPD?
TPD covers all injuries, whether physical or psychological. More often than not, a physical injury affects your psychological health resulting in mental illness.
Checking your statements can clarify if you have TPD cover but you may also be covered by superannuation accounts that are closed or ones you have forgotten about. We can find all your TPD benefits and make multiple claims for a mental health injury.
If you’re still unsure whether or not you’re covered, get some legal advice from PK Simpson lawyers who are specialists in TPD. And before you make your claim, be sure to call us so we can ensure you have an airtight case, since you will need ironclad evidence to prove you’re unfit to return to work due to your mental health injury.
The bar for evidence of TPD mental illness claims has been set very high, and has led to many such claims often ending up in a dispute. Our experienced and highly skilled superannuation TPD lawyers at PK Simpson know everything there is to know about claims for mental illness. Medical treatment to diagnose your mental health condition and to support the claim is very important. We can obtain the correct evidence to support your claim.
We’re the only TPD superannuation law firm with a client services department whose members are dedicated, 100 per cent of the time, to making sure you are well served.
What Types of Mental Conditions Are Covered by TPD?
Any mental health condition which prevents you from returning to work can be used to support a claim for TPD insurance. Depression and anxiety are part of the range of illnesses that are part and parcel of PTSD but can also be a single diagnosis.
Depression is a debilitating illness with sufferers experiencing severe or chronic feelings of apathy, sadness, anger, despair and worthlessness, among others. Signs may range from feeling guilt, a lack of motivation, withdrawal, less energy and turning to drugs and alcohol. There may also be suicidal thoughts.
Anxiety includes strong feelings of fear, catastrophising, distress and long-term worry about perceived threats. Sufferers of this mental health condition can show signs of nervousness, panic and agitation, with symptoms including stomach ache, sleeping problems, dizziness, breathlessness and a pounding heart.
PTSD is associated with a spectrum of major stress reactions and mental illnesses that can occur even years after a person has been a victim, was involved in, or witnessed a traumatic event. This can be one event or more, and strong, debilitating feelings of grief, anger and fear, with terrifying flashbacks and nightmares that can last for a long period. This can result in a sufferer being unable to work or enjoy a normal life.
Mental Health and TPD Claims
To make a TPD mental health claim, you must complete a claim form and provide your superannuation fund with further information including financial records, work experience details, education and supporting medical evidence. During this phase, the right advice is crucial to the success of your mental health TPD claim. Having solid legal advice about how to fill out the form will arm you with a stronger case so you receive the TPD compensation you deserve.
A mental health TPD claim for a psychological injury requires very clear and persuasive evidence and is an area that is unfortunately rigorously disputed by superannuation insurance providers. However, while often disputed, case studies show 91 per cent of claims are paid out.
Our experienced TPD lawyers will help you at every stage of the claims process to make sure you have every chance of receiving the maximum payout. Talk to one of our experienced TPD claims lawyers at our PK Simpson law firm today on 1300 757 467 or email email@example.com