The best advice is to consult an expert superannuation and life insurance lawyer as early as possible following the cessation of employment due to an injury or illness. Share This Post Here. Book in a free consultation. How long does a TPD claim take? What happens if my TPD claim is declined? A Spouse Spouse means a person who lives with you and is in a genuine domestic relationship as a couple. A Child Child means any child, natural, posthumous, step or adopted, who is under the age of Financially dependent child over the age of 18 This definition covers children over the age of 18 who are students and who are financially dependent.
Anyone else who is financially dependent on the member at the date of death This covers disabled adult children, parents, former spouses and anyone else who is financially dependent at the date of death. If no one is nominated, who is legally entitled to receive the death benefits? How long does a trauma claim take? Call Or let us call you! Personal Injury claims. Superannuation claims. General Insurance claims.
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These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience. Necessary Necessary. We strongly recommend you seek legal advice in regards to your specific situation. For help understanding your rights, please call or chat via live chat to talk to one of our Lawyers today. Whether it's at work, on the road, at the hospital or in a public place, if you have been injured in Queensland due to the fault of another party, you may be entitled to make a compensation claim.
About Us. Need answers to a specific question? Check out our knowledge base. Contact Us. The first step is to identify all your policies. Many people have multiple super funds from having had multiple jobs over the years. If you have multiple super funds, then you might have multiple TPD policies you can claim against. Your member statements will indicate what insurance cover is included with each fund, so start by gathering the statements and make a list of which of your super funds have TPD policies.
Step 2: Check which policies were valid when you were injured or became ill. To make a claim against a policy it will need to have been valid at the time you became injured or ill. Then look at which of your TPD polices were valid at that time. Read through the terms of your TPD policy or policies to understand what qualifies for a lump sum payout.
For example, your TPD policy might cover you for:. Step 4: Submit a thorough application, including all documents and medical records to substantiate your claim.
This is the key step in successful TPD claims. Many people simply complete the application forms and assume their claim will be approved.
Step 5: Include a thorough written submission explaining why your TPD claim should be approved. This is also an essential part of all successful TPD claims. A well-written submission will clearly state how your situation satisfies the criteria in your TPD policy. A poorly prepared submission or application, on the other hand, may be seen by the insurer as an indicator that the claim may not be valid.
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