Super Claims and TPD Claims
Total Permanent Disability (TPD) coverage generally provides financial assistance to individuals who are no longer capable to work in their usual occupation or other occupation due to physical or mental disability or ill health. To qualify for TPD, you need to show that either your injury or illness has prevented you from returning to work and that you are nor able to continue working in your usual profession or any alternative professions that matches your skills or education.
When you claim for TPD, it’s not necessary to prove that your injury or illness was caused by another or that it was work related. If you are suffering from mental health conditions and are unable to work as a result, you are eligible to receive benefits provided you are able to show that your illness or injury has caused a significant negative impact on your ability to work or engage in daily activities.
What evidence will I need?
- All claims must be supported by professional medical evidence that confirm you meet the specific criteria required for TPD Claims.
- Records of your education, training and work experience, and evidence explaining why you are no longer suitable for any alternative work that matches your skillset. For example – you may be medically capable of working in an office related environment, but you may lack the skills and aptitude to find a job suitable for your needs. What barriers are present in your life to prevent you from gaining employment?
- Being able to get a job is one thing, being able to maintain that job is another. Mental health conditions can result in challenging situations career-wise. If you are able to get a job, but unlikely to be able to maintain that job, you may still be eligible to claim TPD.
Recovering and moving forward from traumatic life events is undeniably difficult. Every individual manages stress in a unique way and needs to take their own time to adjust to challenging new situations. Being able to remain financially stable and meet ongoing expenses reduces stress factors while managing your injury or illness.
Get Advice Early On
Never leave it too late. Being able to access a lump sum payment through a TPD or superannuation claim can alleviate ongoing financial strain from being unable to work and means you will have the financial support available to focus on recovery or moving forward with your life.
How to Claim for TPD or TTD
If you need to make a claim for a TPD payment, it will need to be proven that you are unlikely to ever return to your job (or in some cases, any kind of job) again.
If you are injured, you may not be able to work ever again (TPD claim), or you might only be off work for a matter of months (TTD claim). Whatever your circumstances, we can help you decipher the policies and procedures and get you to a place where you’re supported and cared for financially.
To start a TPD claim, you will need to submit a claim form. You’ll also need to get medical reports and information from your doctor, as well as other supporting documentation. Our experienced superannuation lawyers and super claim team will help you with this, making sure that the entire process is as smooth as possible.
Due to the difficult circumstances surrounding a temporary or total and permanent disability, and the loss that you have suffered, the processing time for a TPD or TTD claim is generally faster than many other types of compensation claims. In many cases, a TPD claim will be resolved in as short a period as six months.
Get in Touch with Our ROC Legal Team Today
At ROC Legal, we know times like these are always challenging and our team strive to make the process simple and stress-free for you. Our dedicated TPD and superannuation lawyers work with you to ensure your TPD application is lodged correctly to ensure a straightforward process and reduce delays or complications in the application stage.
For more information on TPD Claims, contact us at ROC Legal today on 1300 196 219
The ROC Legal Point of Difference
We specialise in compensation law, and we’d love to help you with your compensation claim and get your life back on track. Working through a compensation claim can be tough, but when you have ROC Legal on your side, the whole process is smooth. We’re a boutique firm who treat every client with respect, courtesy and care, but we’re big enough to be able to handle even the most complex of claims and compensation issues.
We’re compensation legal experts, and we’re waiting to take your call. Get in touch with the legal professionals who care at ROC Legal on 1300 196 219.
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If you are curious about the process involved in motor vehicle incident claims or would like some more information on how best to proceed with a compensation claim, we can help.
Our boutique firm means that you will always get personalised, one-on-one service from people who know your concerns and who are happy to help. Our motor vehicle accident lawyers are on hand to answer your questions and will work with you to offer support and guidance for your particular situation, standing by your side during what can be a potentially difficult time.
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