If you’ve had to stop working because of a medical condition, you could claim Total and Permanent Disability (TPD) benefits through your superannuation fund. When you can’t return to work in your usual occupation or any other work within your training and experience, our Brisbane TPD Lawyers can help.
Splatt Lawyers’ disability insurance claim law firm has a 99% success rate for winning TPD claims. By choosing our experienced TPD lawyers to manage your case, you have peace of mind knowing you have a high chance of a successful TPD payout.
Find out if you can make a TPD claim in 30 seconds
For more than 28 years, Splatt Lawyers has assisted Queenslanders with Total and Permanent Disability Claims. If you cannot work due to an injury or illness, you will likely need funds to cover your rent, loans, food and energy bills. If this is your situation, you want to ensure you have the best insurance claim lawyers in your corner, fighting for your legal rights.
Successful TPD claims can be substantial and may help to ease the financial burden for you and your family during the difficult time that follows injury, illness and disability.
Splatt’s TPD Claim Lawyers win Total and Permanent Disability benefits for everyday Queenslanders every day. Be assured we have a team of personal injury solicitors with the skills and expertise to construct a thorough, expert legal case that will maximise your insurance payout. Get started now by calling 1800 700 125.
If you have not had a TPD claim before, you may think, What do lawyers charge for claiming TPD? So, you will be happy to know that Splatt Lawyers is a 100% No Win, No Fee Brisbane law firm, with capped prices.
When you work with us on your Superannuation Insurance and TPD claim, you will pay no upfront or ongoing legal costs. Our No Pay funding includes any reports or assessments we need to build a compelling case for your claim.
You pay legal fees only when you win your TPD compensation. If your claim fails, you owe us nothing! When you work with Splatt Lawyers, you carry zero financial risk.
To have a successful TPD claim in Brisbane, there is no need to show that your illness or injury was the fault of another person, your regular job, or your workplace. Hence, you can have a winning claim when diagnosed with a medical condition like stroke, cancer, heart disease, terminal disease, Parkinson’s, severe burns, organ transplants, and more.
Splatt Lawyers will assist you in making the case that you cannot do your regular job duties (or another occupation for which you are qualified). You only need to demonstrate that you cannot work in the fields for which you are qualified or have the necessary education, training, and experience. Get fast support now by calling 1800 700 125.
You might be able to file a Total, and Permanent Disablement (TPD) claim through your Super if you cannot work due to an accident, sickness, or mental health issue.
Most people are unaware they have TPD cover and are eligible for financial assistance, frequently paid in a single lump sum. These monies could be essential to helping you get your life back to normal after a difficult period when you have stopped working and need extra cash.
If you (or your employer) have contributed to a superannuation fund at any point in your life, you may be covered by Total and Permanent Disability (TPD) insurance. When you suffer a physical or mental health impairment that makes it impossible to work in your usual occupation, you could claim a TPD payout.
This insurance provides coverage for a variety of health conditions. Are you unsure if you meet the requirements? Reach out to our knowledgeable disability insurance claim lawyers for a fast case assessment – It’s free.
Many Queensland workers have Total and Permanent Disability (TPD) insurance coverage in their superannuation membership. But most don’t know that have contributed to more than one super account, and are eligible to make a claim against each.
The great news is that you can make multiple TPD claims if you have contributed to several super funds throughout your career. Contact our superannuation TPD lawyers immediately for a free comprehensive case review to know if you are eligible for multiple TPD claims.
TPD claims are not limited to just physical injury or illness. In Australia, you can make a TPD claim when you have a mental illness or psychological disorder that stops you from working. To be eligible you must be diagnosed with a recognised mental health condition like depression, anxiety, bipolar disorder, PTSD or other psychiatric disorders.
Sometimes, it takes time for an injury or illness to develop into a permanent impairment. But you are still unable to work due to your condition. In this situation, you can claim income protection and receive monthly insurance benefits until you are eligible for a TPD lump sum payout.
Court rulings frequently update and change TPD law, which is a complex area. The restriction on obtaining a TPD benefit has been increased, with more hurdles than ever to jump through to prove you are entitled to make a TPD claim.
Understanding your TPD insurance cover early ensures you know how to successfully claim your superannuation fund benefits. Our highly experienced TPD lawyers will help you manage the TPD claim process and what to do if your claim is denied or delayed.
Below is the typical legal process to making a successful TPD claim
Queensland residents who need assistance navigating the complex claims process to access the insurance benefits included in their superannuation should contact a Splatt TPD Lawyer. We are keen to help you, wherever you live in Queensland.
Many superannuation funds offer a type of coverage known as TPD insurance, which is also known as a disability insurance benefit.
Most people are unaware that this insurance cover is in place and do not understand the process for making TPD claims that Brisbane law requires. Your Splatt lawyer will work with you to review your rights and put forward the best possible claim to get you the compensation and financial support you deserve.
Many injured workers and motor vehicle crash victims do not know they have TPD disability cover, as it is automatically provided when they join a superannuation fund. If you want to find out if you have TPD insurance, check the member information statement that your superannuation fund sends you from time to time, which should state how much coverage you have for TPD.
If you do not have a member information statement, you can obtain your disability cover by requesting it directly from your superannuation fund.
You have the option to file a TPD Claim without a Brisbane lawyer. It is crucial to note that insurance companies make money by paying out as little as possible and may try to take advantage of a claimant without legal representation. If you must collect your maximum entitlements, you will have the best chance of success with a reputable, experienced legal team.
Don’t settle for less; strive for more. Our specialist QLD & Brisbane TPD Claim Lawyers handle insurance claims daily and are familiar with the best legal strategy to maximise your settlement. They are accustomed to negotiating with insurance firms that attempt to minimise your compensation payout.
A total and permanent disability benefit payout is typically a lump-sum payment. The calculation is made from the day when an illness or injury caused someone to cease working. Typically, if you have TPD coverage through a super fund, it will also cover your superannuation account balance.
Tax on a TPD insurance benefit may differ depending on individual circumstances. Receiving a TPD lump-sum payment could have an effect on Centrelink benefits. If you wish to reduce your tax obligation, leave some or all of your payout in your superannuation account.
A permanent disability is defined as an ongoing physical or mental impairment. A state from which they may never recover or which may persist for an unspecified time.
Usually, a Brisbane TPD Insurance Claim resolves between six to twelve months. Insurance firms often finish their initial evaluation in six months. Investigation and case preparation by our TPD insurance lawyers can take up to six months, with the length of your claim depending on your medical condition’s complexity and nature.
You might get a favourable solution more quickly thanks to Splatt Lawyers’ fast-track legal procedure.
Australia & Queensland have several TPD claim time limits. Essentially, they range between a few months and six years. However, the typical time frame for disability claims would be six years. There might not be a time restriction for some medical diseases that take years to develop. Get free legal advice from our team today to determine which deadlines might apply to your case.
Several factors affect how challenging it will be to use the benefits that your Queensland TPD insurance coverage offers. Variables include your illness or injury, how it affects your capacity to work, and your TPD insurance policy requirements. Your claim can be more straightforward if you are covered for being unable to work in any occupation other than your typical occupation.
Remember, you only have one chance to have a TPD claim approved. You could seek to contest the decision if your claim is rejected, but doing so is frequently expensive and may not be successful. Splatt Lawyers will provide you with the best chance of success.
To be eligible to claim TPD in Brisbane, you usually need to demonstrate a permanent inability to carry out your usual job, or any other jobs you could do based on your qualifications, education and experience. For example, if you have only ever done manual work, you would likely not have the skills to work in an office.
Many people making a TPD insurance claim for the first time consider the average success rate. In Queensland, the current win rate is about 8 out of 10. To make a successful TPD claim you need to meet or exceed a range of criteria, and Splatt Lawyers know them all. We consistently win 99% of TPD claims for our clients. Find out how we do it, by contacting us now.
Total and permanent disability insurance provides a lump sum payment when illness or injury causes permanent disability. Insurers have different definitions of what constitutes a total and permanent disability, and you will need a skilled TPD lawyer to ensure you meet your insurers’ criteria.