Our mental health TPD claim experts understand that depression and mental illness can significantly impact your capacity to work and earn an income. If you suffer from a psychological disorder like PTSD, bipolar disorder, depression or anxiety and can’t work, you may be entitled to make a total permanent disability insurance claim through your superannuation fund.
We are here to help you navigate the often complex legal process of making a successful TPD claim for depression or other mental illnesses. Splatt Lawyers has supported many Australians living with mental health issues to gain access to their TPD benefits, on a 100% no win, no fee basis.
It’s free to know if you have a valid case and you owe us nothing until we win your psychological permanent disability claim. Call Now – 1800 860 777
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A TPD claim is a benefit payout to a person who cannot work due to an injury or illness. Hence, when you have a recognised psychiatric condition or mental health disorder (like severe depression), you can make a TPD claim. To successfully claim permanent disability benefits, your impairment must prevent you from doing your regular job or any other occupation for which you are suitably qualified.
In Australia, it is more difficult to make a TPD claim for depression or other mental illnesses than it is for physical injuries. That’s because you can see physical symptoms but not a psychological injury.
Generally, your best chance of winning a TPD benefit is to seek expert legal representation. So seek informed legal advice from a professional disability insurance ligitation lawyer specialising in TPD claims for mental illness.
Splatt Lawyers is here to help you navigate the complex TPD claim process and have a winning outcome. We consistently win 99% of insurance claims. Get fast support now by calling – 1800 700 125.
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You will likely face financial hardship if you cannot work because of a mental illness such as PTSD, anxiety, bipolar disorder or severe depression. Because of this, Splatt Lawyers charges nothing to start permanent disability claims and no ongoing or recurring legal fees for the duration of your case.
This agreement includes the expense of medical reports and evaluations required to make a strong case for claiming all your TPD benefits. You only pay our fees when we win your case. Pay our fees when you win and zero if you lose. Thankfully, Splatt Lawyers assumes all financial risk associated with your case.
The most frequent enquiry we receive at Splatt Injury Lawyers is, “How much is my TPD claim worth?”
Although the question sounds simple, there is no straightforward answer because your circumstances are unique. The value of your claim depends on your TPD insurance coverage level, which could range from several thousand dollars to a six-figure payout. It will also depend on the number of superannuation policies you hold. You could make more than one claim for the same mental illness, if you have previously contributed to several superannuation accounts.
The level of legal expertise and skill in negotiating your disability payout is a further consideration. At every chance, insurance companies will attempt to minimise your entitlements. Our TPD claim lawyers interact daily with insurers. We know the strategies they will use in seeking to minimise your benefit.
Splatt Lawyers have maximised mental illness total and permanent disability benefits for our valued clients for nearly three decades. Find out now how we can do the same for you.
In general, insurance companies are more interested in growing shareholder profits than your ability to pay your monthly bills. They will find every opportunity to deny or minimise your TPD payout. Proving you cannot work due to a physical injury you can see is more straightforward than for a mental health condition.
As a result, it can be more challenging to demonstrate that your psychological and psychiatric condition prohibits you from working. However, if you have been receiving regular treatment from your psychiatrist, psychologist, or general practitioner, we have more proof to support your case.
Fortunately, Splatt Lawyers has a track record of success with mental illness TPD claims. In fact, we win 99% of our total and permanent disability insurance claims. Give yourself the best opportunity to maximise your payout by contacting our insurance law firm immediately for expert legal advice. Call Now – 1800 700 125.
To be eligible for a mental illness TPD claim, you must have a psychological or psychiatric condition that hinders your capacity to work. Common conditions include:
It may be challenging to think clearly if you have a mental health condition like post-traumatic stress disorder, anxiety, bipolar disorder, depression, schizophrenia, or borderline personality disorder. So, it is not astounding that some people don’t know they may qualify for a TPD payment. Even more, people are unaware they could make multiple claims if they contributed to multiple superannuation accounts.
How you acquired your psychiatric disorder is of no consequence when it comes to having a successful TPD claim for mental illness. Because your psychological or psychiatric condition does not need to be related to your work (as it does in a workers’ compensation claim),
When claiming a TPD benefit, your degree of working capacity because of your psychological or psychiatric condition is crucial for success. If a disability prevents you from working to the point where you are considered permanently disabled, this will likely qualify as “permanent cessation” and entitle you to make an insurance claim.
Other disability claims, such as WorkCover and Disability Support Pensions, require an appraisal of your whole person impairment. To get Super TPD benefits, your mental condition’s impact on your ability to work is the primary consideration.
Without a doubt, it can be stressful to make a TPD claim. That’s because, the behaviour of your insurer could be erratic and challenging, making it hard to understand your next steps. If you already have a psychiatric disorder or mental illness, this extra stress might intensify your condition and make your life seem intolerable.
However, the process of seeking Superannuation TPD benefits is made as stress- and trouble-free as possible by Splatt Lawyers. We have considerable expertise in insurance claims law. So let us remove your legal roadblocks so you can focus on your rehabilitation.
To achieve a successful claim for mental illness, you must:
This process can be pretty tricky, especially with mental illness TPD claims. Insurers will attempt to refuse or reduce your benefits. So, appoint a legal team with a strong track record for success in these cases. It doesn’t cost anything to know your options. Start now by calling 1800 700 125.
TPD insurance covers any injury, including physical and psychological ones. Mental injuries can sometimes result from physical injuries, and insurance companies consider this when they write policies. If you have an active TPD insurance policy, you can likely claim TPD for mental health conditions.
If you believe you have an eligible TPD mental health injury, you meet with a lawyer to begin your claim. They will investigate your insurance policies to understand your terms, conditions and level of coverage. Your level of disability will be assessed, and you will need to meet the waiting period and work history requirements. Making a winning claim requires great attention to detail and a solid understanding of your insurer’s legal processes. A qualified and experienced TPD insurance lawyer deals with these issues daily and knows what it takes to deliver your desired result.
Your mental illness must disrupt your emotional, cognitive and social functions to the degree that it stops you from doing your usual daily activities, like earning an income. Mental disorders considered when making a TPD claim for mental health include anxiety, severe depression, post-traumatic stress disorder (PTSD), obsessive-compulsive disorder (OCD) and others.
TPD claims for mental illness are often complicated to resolve. The reason is the many factors determining if someone is psychologically injured, including what constitutes a mental illness, how it impacts your daily life, and your ability to work.
A person must meet specific criteria to qualify for a TPD claim. First, they must be suffering from and diagnosed with a mental illness. They must also demonstrate that their mental illness causes them significant distress or impairment. For example, if someone suffers from depression, they might struggle to function at work, which other issues like stress or lack of sleep could cause.
In addition, the person needs to prove that their mental illness prevents them from working. This could mean showing that their condition has impacted their job performance or that it is impossible for them to do their job.
Finally, the person must have tried to engage with the relevant authorities about their mental health status. They must have received no response, including contacting their employer, GP, social workers or mental health professionals.
Once the person meets all of these requirements, they can apply for a TPD claim, and the compensation they receive depends on the severity of their case. An experienced lawyer will support you through this process and seek to escalate your case.
If you have been diagnosed with TPD and have never had any contact with a psychologist or psychiatrist, you could be entitled to make a claim. However, there are some things you need to consider before making one.
You must prove that you have suffered significant distress due to your mental health condition. Including showing how it impacts your life and what support you need. You may also need to show that you have tried to access psychological therapy or medication without success.
The most common way to demonstrate this is through evidence from your GP. You could be denied the payment if you cannot provide this proof.
In addition to this, you must also be able to prove that it is likely that you will suffer further distress unless you receive treatment. For example, if you are experiencing panic attacks every day but don’t see a doctor, you won’t be eligible for compensation.
Your GP will be able to help you gather this information. They should be able to give you advice on whether you are eligible for compensation and how to go about claiming it.