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
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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.
This financial support can help during a challenging time. Because 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. Many people don’t know they have insurance cover.
You may have a current income protection insurance policy through several different means, including:
Splatt Lawyers offers a free claim review that can locate your insurance policies, whether through a superannuation fund or otherwise. It’s free to know your legal position. Call 1800 700 125
You could make an income protection insurance claim if you’ve suffered an illness or injury that prevents you from working. If this is your circumstance, you may be experiencing financial difficulty. But once approved, you can receive income insurance benefits.
Your right to claim TTD insurance benefits depends on the eligibility criteria contained within your policy.
If a temporary injury or illness progresses to a permanent or long-term condition, you could also file a TPD claim for Total and Permanent Disability. This policy provides a lump-sum payment if your medical condition permanently prevents you from working.
Most income protection insurance policies pay about 75% of what you would have earned had your illness or injury not occurred. However, there is usually a waiting period before you start receiving your income protection payments.
How much you receive depends on several factors, including:
Monthly income protection payments are typically calculated as a percentage of your pre-disability income, commonly around 75%. This percentage is a portion of your usual earnings paid to you when you are temporarily unable to work. The terms of your income protection insurance will determine these calculations.
Insurers will generally assess your average weekly or monthly income based on your earnings in the 12 months prior to your injury or illness. This calculation can include:
Getting your full entitlements depends on providing accurate and complete documents.
Time limits apply to income protection insurance and TTD claims. You can seek advice to confirm your deadline. However, 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 30, 60, or 90 days.
A successful income protection claim relies on quality evidence, including medical reports and related documents.
Most income protection claims, require periodic medical examinations to continue your regular payments. That’s because some policies offer a monthly payment that can continue for a few years, depending on 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:
An insurance claim lawyer can
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Furthermore, many income protection insurance policies have an offset clause. As such, any other income is deducted from your payments, including:
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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