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We offer legal assistance for Total and Permanent Disability (TPD) claims. These claims provide crucial financial support for individuals who are unable to work due to a permanent disability. Our team has extensive experience in guiding clients through the complex process of TPD claims, including understanding policy terms, gathering necessary medical evidence, and liaising with insurance providers.

Karena Nicholls

Karena Nicholls

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What is TPD Insurance?

If a person has suffered an injury that prevents them from working or returning to work in the same capacity, then a claim may be made against their superannuation or insurance policy. This is called a Total Permanent Disability Claim or TPD Claim. This can be paid to the claimant in a lump sum and may assist in easing the financial burden faced in relation to disability. A person may also be eligible to claim a death benefit if they have lost a loved one. Superannuation, Total and Permanent Disablement (TPD) and Death claims do not have to be work related.

Am I entitled to make a claim?

TPD claims will be assessed on personal circumstances. Each super fund and insurance company will have varying eligibility specified within the terms of its policy. However, there are some common requirements for making a claim. These include:

  1. Assessing your level of disability to ascertain whether your disability meets the minimum threshold. This includes evaluating whether you are permanently unfit for your usual employment, or any other employment that you are qualified for.
  2. Whether the cover is included within your superannuation policy.
  3. Adhering to the specified waiting period is important as most policies will require this to be fulfilled so that the extent of all injuries can be adequately determined.
  4. Many policies require you to satisfy a minimum level of employment history before you can receive a TPD payout.

Making a Claim

Particular steps must be taken in order to lodge a successful TPD claim. As mentioned above, this will also depend on the policy terms stipulated by your super fund or insurance company. The process can be extensive and tedious; however, the Coutts Team can make sure you are receiving appropriate and thorough legal advice to ensure you can access the entirety of the benefits to which you are entitled.

What if my TPD claim has been rejected?

Coutts can assist you if your claim has already been rejected. We endeavour to make successful arguments for your case. We can commence proceedings in the Supreme Court to settle your claim.

What to Expect with Coutts Lawyers

Step 1: Initial Contact

Reach out to Coutts Lawyers via our website, phone, or in person. Briefly describe your matter.

Step 2: Consultation Appointment

Schedule and attend a meeting with a Coutts lawyer to discuss the specifics of your matter and desired outcomes.

Step 3: Information & Legal Advice

Share all related documents and information. Your lawyer will review everything, clarify aspects as needed, and then advise on the best action course.

Step 4: Action Plan Development

Based on the advice, an appropriate action plan will be formulated. This may involve communication, documentation processes, or further legal steps.

Step 5: Implementation

Execute the action plan, addressing a range of legal scenarios as necessary.

Step 6: Resolution & Closure

Navigate towards a resolution, with the path determined by the nature of the matter. Your Lawyer will outline any final actions or considerations.

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Introducing Karena

Your Compassionate Lawyer

Meet Karena, a Partner at Coutts Lawyers & Conveyancers, and the head of our esteemed Injury Compensation and Employment Law teams. With over two decades of experience in the field of Insurance Law, Karena’s passion, dedication, and client-focused approach have established her as a leading authority in compensation and employment law.

Karena Nicholls
Karena Nicholls

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Total Permanent Disability (TPD) is a form of insurance that is designed to provide financial protection to those who are unable to work due to a permanent disability. This type of insurance is available to residents of New South Wales (NSW) and provides a lump sum payment in the event of a permanent disability.

Yes, you may be able to claim Total and Permanent Disability (TPD) if you meet the eligibility requirements. Generally, you must have an illness or injury that prevents you from ever returning to work or substantially limits your ability to work, to be eligible for TPD benefits. Check with your provider for more information about specific eligibility requirements.

The cost of a Total and Permanent Disability (TPD) claim depends on the type of claim, the insurer, and the individual’s circumstances. Generally, a TPD claim does not require any out-of-pocket expenses, as the insurance company pays for all costs associated with the claim. However, it is important to note that the insurer may require a policyholder to pay a fee for a medical assessment.

The amount of time it takes to process a Total and Permanent Disability (TPD) claim can vary depending on several factors, including the complexity of your case and the specific requirements of your insurance policy. In general, it is important to carefully gather all necessary documentation and provide a thorough and accurate application in order to expedite the process. It is also a good idea to follow up on the status of your claim regularly.

The amount of money that you will receive for a total and permanent disability (TPD) claim will depend on several factors, including the specific terms of your insurance policy, the severity of your disability, and any other income or benefits that you are receiving. It is important to carefully review the terms of your insurance policy and consult with a qualified legal professional to determine the specific amount of money that you may be eligible to receive.

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