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TPD Compensation Claim Checker

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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

There are particular steps that 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 benefits that you are entitled to.

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.

Why Choose Coutts?

At Coutts we are proud of our “No Win No Fee” policy as we understand the financial burden obtaining a solicitor can have on an individual. We also provide a free Initial consultation and case assessment advice at the beginning of your matter. At Coutts, we pride ourselves on providing flexible services to our clients and we will commute to you for appointments. We endeavour to respond to our clients within a 24-hour time frame and have a one point of contact.

At Coutts we understand the complex nature of a Total Permanent Disability Claim. Our Lawyers are experts in the field of personal injury claims specialising in Total Permanent Disability claims. We recognise that a Total Permanent Disability claim can be highly stressful, and our team are here to provide the support you need.

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.

TPD payments are generally not taxable. However, certain exceptions may apply, depending on the jurisdiction and the type of payment. It is best to consult with a qualified tax professional to determine whether or not any TPD payments you receive are taxable.

Many people receiving TPD do consider returning to work. For those who do receive a TPD payout, you are not usually required to repay that amount if you do return to work. This is reliant on several circumstances; however, it is important to check the Terms and Conditions of your TPD insurance.

Our Coutts lawyers will help you understand your TPD coverage as definitions amongst insurance providers can vary. There may be circumstances that allow you to return to work after Total and Permanent Disability such as:

1. Changes in medication or medical advancements
In the instance that your medical condition improves because of a new treatment or medication, you could take training to enter a new occupation that fits with your revised skills and physical condition.

2. Retraining in your previous industry
If you were deemed unfit to return to work in the role that you have experience in or received training or education to undertake, you may be in a position to obtain skills in a different profession enabling you to return to work.

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