Experienced income protection lawyers can explain how to file an income protection claim with an insurance company when you can’t work due to a temporary injury or illness.
Splatt Lawyers provides free legal advice, including an investigation of your income protection cover. We can advise on your eligibility to take legal action for TTD benefit payments. All our services are funded on a 100% no-win, no-fee basis. It’s free to know where you stand. Call 1800 700 125
Total and temporary disability cover (TTD) is another name for income protection cover (also known as salary continuance insurance). If you are temporarily unable to work due to illness or injury, you may be able to get benefit payments from your income protection insurance.
An approved claim gives you a benefit payment that is a percentage of your pre disability income until the end of the benefit period.
NOTE: Your medical illness or injury doesn’t need to be related to your regular line of work. For example, mental health issues, cancer, heart attacks, major organ transplants, severe burn injuries, chronic weariness, and injuries sustained outside of the workplace—on the road, in a public place, and in various other situations—can all be considered.
Experienced income protection lawyers can provide expert legal advice regarding the claims process and your rights.
Many everyday working Queenslanders have several insurance policies held by their superannuation fund, through union membership, or several other organisations or associations. It is common for people to be unaware of the insurance benefits available to them at a time when they are crucial to maintaining your lifestyle.
You can investigate your insurance coverage by viewing your super statement or asking your provider. If you think you have a valid case, Splatt Lawyers will examine your policies as part of our free claim review. Get fast legal support now by calling 1800 700 125.
You can claim compensation if you’ve suffered an illness or injury that prevents you from working. You could receive income insurance benefits if you cannot work because of an injury or medical ailment. If this is your circumstance, you are probably in financial difficulty. It would help if you had knowledgeable lawyers to assist you in accessing your entitlements.
You may have a current income protection insurance policy through several different means, including:
√ Your super fund policy
√ Your employment or union membership
√ Your insurance policy
√ The loan insurance connected with your mortgage or credit card
Your right to claim your TTD insurance benefits depends on the eligibility criteria contained within your policy.
Be aware that you can file a TPD Superannuation Claim (Total and Permanent Disability) for a lump sum payout if your medical condition prohibits you from working permanently. Plus, depending on the insurance you have via your superannuation, you could file several claims.
Our expert injury lawyers will advise you on your prospects for claiming your entitlements – free claim check.
Usually, your income protection insurance will reimburse you for about 75% of what you would have made had your illness or injury not occurred. However, before you start receiving your income protection payments, there is usually a waiting period.
The amount of money you might receive depends on several factors, including:
You won’t lose wages if you’re eligible to receive monthly payments from your insurer. Instead, your employer will pay you while you are sick or injured. This income helps to stabilise your financial situation while you’re away from work.
Time limits apply to income protection insurance and TTD claims. So it’s a good idea to seek legal advice. In Australia, most income protection policies have a six-month deadline from the onset of injury or illness.
Every income insurance policy is unique, with its disability definition, time limits and available benefits. However, most income protection policies specify a waiting period of either 30 days, 60 days, or 90 days.
Legal procedures can be complicated and confusing. It can take a few months to collate the medical report required for a successful income protection claim. The quality of your evidence will influence your legal outcome.
Your physical injury, illness or psychological disorder could be minor or severe – leading to a permanent disability. Your medical claim assessment will diagnose the nature and severity of your ailment and expectation of recovery.
For income protection claims, you will likely need periodic medical examinations to continue your regular payments. Most TTD policies give a monthly payment that can continue for a few years, subject to your policy terms.
It can take some work to claim your income protection benefits. That’s because insurers usually try to find reasons to minimise or reject benefit payouts, and employers are often not cooperative, especially if you have a work-related medical condition.
Experienced insurance claim lawyers regularly negotiate with all the major insurance providers. They know their expectations and claim minimisation techniques.
Hence, they understand the requirements for a successful outcome.
When you work with Splatt, your insurance compensation solicitor will:
It costs nothing to understand if you could make a successful claim, and you owe us nothing until we win your case. Splatt Lawyers has modest legal fees for insurance claims which are fixed before we begin work on your matter.
Do you need legal support for an Income Protection Insurance Claim? Find out your chances of making a successful claim with Splatt Lawyers. There is no charge to be sure. Call Us Now on 1800 700 125
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If you work some hours (but not full-time), you may receive a partial benefit or salary “top-up”.
There is no easy answer to this question. The terms and conditions of your insurance policy, among other things, determine whether income protection benefits are paid after retirement.
Therefore, we advise you to consult a legal professional.
If the insurer refuses your claim, an experienced insurance compensation lawyer can follow the process for insurance claim disputes.
Splatt Lawyers understands the techniques insurers use to minimise or reject insurance payouts and how to circumvent these.
Income protection insurance (IPI) protects your income once you can no longer work. If you are sick, injured or unemployed, it could pay out benefits to help cover your living costs while you recover.
After lodging a claim, the insurance company will usually decide whether or not to pay out within three to four months, depending on your type of policy.
Most policies require you to wait six months before making another claim. However, some insurers allow you to have multiple claims over 12 months.
You may receive payments directly into your bank account or a monthly benefit. Some providers offer a combination of both options, depending on your circumstances.
Your Income Protection Insurance policy will no longer protect you if you are terminated or made redundant.
However, you may be eligible to file another type of legal claim if your illness or injury prevents you from working.
You need to disclose any pre-existing medical illnesses and other health information that could affect your insurance coverage, depending on your Income Protection (TTD) policy. Failure to comply can result in a claim rejection.
Depending on the waiting time outlined in your Income Protection Policy, the length of your claim could range from three months to two weeks.
Whether your insurer needs extra information to process your claim also affects the length of time.
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