Most superannuation providers include Total and Permanent Disability and death insurance cover with their superannuation policies, so you will most likely be covered by TPD insurance if you have a superannuation policy. These entitlements however, are not always made obvious by your provider, and it can be difficult to find enough information about them. This is why you need a lawyer for a TPD claim, while not strictly required, the best TPD lawyers will help you interpret your policy and find all the entitlements you deserve if you are totally, permanently disabled. From here the TPD insurance claim process involves meeting the required disability level, satisfying minimum wait times and fulfilling all the requirements around work history. Our TPD lawyers across Australia, from TPD lawyers and Melbourne TPD lawyers Perth to TPD lawyers Cairns and TPD lawyers Gold Coast can assist you in getting the TPD insurance claim payments you need to start living your life again.

While Workers Compensation only covers a few health problems, most TPD policies and TPD insurance claims should cover all health problems, from mental health issues to pre-existing medical conditions. Of course, this is contingent on your specific policy, as some may exclude pre-existing conditions. It is best to speak to expert TPD lawyers in order to discover if your superannuation policy covers your TPD injury.

Yes, you can if you have more than one lot of TPD insurance. If you have experienced a TPD injury, you will want to claim as much money as you possibly can, in order to live comfortably now that you can no longer work to earn an income, so if you have more than one superannuation policy, it is worthwhile finding out if you can claim TPD more than once. You might have multiple policies if you have multiple jobs or have decided to invest in a variety of super funds. If you have more than one superannuation account, then you will more than likely have more than one lot of TPD insurance benefits. Most superannuation funds offer TPD insurance claims with the benefit ranging from as little as a few thousand dollars, all the way to hundreds of thousands. If you have more than one super fund and each fund you have, has TPD insurance benefits, you are allowed to claim each benefit separately.

If you have a TPD lawyer looking after your claim you can guarantee that that the evidence in support of your claim will be properly prepared, the correct paperwork filed within the right deadlines and you will have an expert on your side who knows the ins and outs of TPD insurance claims. You are also less likely to have problems with the super fund or insurer. If TPD claims were simple, you would not need a lawyer for a TPD claim however, when it comes to something as important as your financial situation, having a TPD lawyer on your side is beneficial.

TPD insurance claims vary in cost from case to case depending on how hard the case is to prove and how many superannuation policies and TPD insurance claims you have to make. LHD’s TPD insurance claim lawyers offer a no win no fee service, meaning if we don’t win your TPD benefits, you don’t pay our fees.

Your eligibility to make a TPD insurance claim will depend on the requirements set out in your specific superannuation policy. These can be quite different from fund to fund however, some of the common requirements include:

• The level of disability: before lodging TPD insurance claims, it is likely you will have to show you are suffering a ‘minimum’ level of disability, according to your policy. This generally considers your ability to return to work in the same capacity or your ability to work at all in the future
• Your super fund: your entitlement to lodge a TPD insurance claim will depend on whether this type of cover is included in your superannuation policy. If unsure, contact your superannuation fund, your TPD lawyers Newcastle or TPD lawyers Sunshine Coast (or TPD lawyers in your locality) and look at your current superannuation product disclosure statement 
• Waiting periods: before lodging a TPD insurance claim, most policies will require you to be absent from work for a minimum period commencing from the date of your injury or illness
• Employment history: some policies require you to be with your employer for a minimum period before you are eligible to make a TPD insurance claim

TPD insurance claims can include total and permanent disability, travel impairment, income protection and death benefits making them very complex, so it is important to have the best TPD lawyers on your side. LHD has offices across the country, offering you TPD insurance claims lawyers, in your local area regardless of where you are, including but not limited to:

• TPD lawyers Melbourne
• TPD lawyers Perth
• TPD lawyers Cairns
• TPD lawyers Gold Coast
• TPD lawyers Ipswich
• TPD lawyers Newcastle
• TPD lawyers Sunshine Coast
• TPD lawyers Toowoomba

Total and Permanent Disability (TPD) entitlements are usually paid in a lump sum or monthly payments. Every case is unique and your compensation payment plan may vary depending on the unique circumstances related to your claim.

If you are a member of several different superannuation funds, you may be able to claim Total and Permanent Disability entitlements through each fund. Our expert superannuation lawyers will be able to advise if you have the applicable cover on all funds and if you can claim through each one.

Insurers and funds rely on people not challenging their decision once a claim has been declined; LHD Lawyers can help you fight an unfair decision and challenge your superannuation fund and insurer as needed. Our experts will look over your case thoroughly and be able to give you informed advice on how to proceed and move forward.