Claiming against Total Permanent Disability Queensland can be easier than you think. The first step, if possible, is to compare Total Permanent Disability insurance when looking at superannuation policies, before you have an accident. This way you can ensure you are covered in case you end up in a situation where you experience TPD. 

If you do experience an accident or illness that leaves you in a position where you are unable to work, the TPD claim process works as follows:

1. Obtain a copy of your superannuation policy and find out whether or not you have Total Permanent Disablement (TPD) insurance, Total Temporary Disablement (TTD) cover, or income protection
2. Find out if you have any of these covers under multiple superannuation policies

Contact one of LHD’s Total Permanent Disability lawyers Brisbane who are experts in Total Permanent Disability law, Queensland and can help determine if you have any level of cover. From here, our  Total Permanent Disability lawyers can assist in the process of making a claim and will work to resolve the claim as quickly as possible to help get your life back on track.

The amount of TPD compensation you are entitled to and the way in which it is calculated is as variable as the policies which provide it. A total Permanent Disability lawyer can help you with the specifics of your policy and talk you through the legal jargon.

There are usually four types of claims which can be made under Total Permanent Disability insurance Queensland including:

1. Trauma Insurance: This can be a lump sum you could receive when you have endured a specific injury like a mental illness or heart attack. This lump sum can be helpful with any injury that’s sudden and unexpected
2. Income Protection: Income protection can be the same as, or almost the same as, our regular salary to cover costs if you are unpaid during an extended period of leave because of your illness or injury. Most Total Permanent Disability insurance covers income protection for up to two years

Death Benefits: this component of Total Permanent Disability insurance can cover funeral and estate management costs after the loss of a loved one

Most Total Permanent Disability insurance policies have strict time limits, so it is important you lodge as soon as you can. Strict limits also apply to contract law disputes in Queensland, this is when it can be helpful to have a Total Permanent Disability lawyer on hand to assist with your claim to ensure that you adhere to all the time limits and the correct process is followed in order to avoid missing out on your insurance payment.

Most Total Permanent Disability insurance Queensland will require you to attend appointments with more than one doctor as part of the process of making a Total Permanent Disability insurance claim. These are referred to by your superannuation fund as Independent Medical Examinations (IME).

Making a TPD claim will not impact on your existing superannuation account balance.