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LAW act for people in bringing insurance total and permanent disability claims if they can’t work due to injury or illness. There’s plenty of information on the internet about the process, but like anything involving the law, the process can be complicated, or it can become complicated if you don’t get it right the first time. And it can be stressful trying to run the process without the appropriate knowledge.
You don’t fix your own car or do your own taxes so why would you risk undertaking a process that could have dire consequences if you get it wrong. Total and Permanent Disability insurance has been and continues to be attached to most superannuation funds since superannuation became compulsory in 1992.
So if you or anybody you know stopped working because of injury or illness, even if it was decades ago, could still be successful in bringing a TPD insurance disability benefit.
Be aware that a TPD insurance benefit is different to any superannuation account balance you may have. An account balance is the money your employer contributed to, which they’re required to by law. Your superannuation account balance is your money. Of course, the idea is that you receive your account balance when you retire, but life for most of isn’t so perfectly scripted and our health doesn’t always play by the rules.
A TPD insurance benefit is a lump sum to which you are entitled if you satisfy the definition of total and permanent disability as defined in the superannuation fund’s insurance policy. The definition of TPD varies because the wording in insurance policies vary. Unfortunately, there is not one size fits all when it comes to definitions of TPD in insurance policies. They can be similar, but are often not the same and those differences can make a difference to how your run your case.
The easiest way to see if you have a claim is to contact our office. We’ll check your rights.
