Superannuation Total and Permanent Disability (TPD) & Insurance Policy

A Total Permanent Disability insurance claim can be made through your superannuation fund if you are permanently unable to continue working your usual job, or any other job you are qualified for, due to illness or injury. Most Australians aren’t aware they can receive this payment, which is often a lump sum on top of your general retirement fund.

To make the claim, it shouldn’t matter what caused the illness or injury and it doesn’t need to be related to your job or claimed through Permanently Disability Work Cover. Simply, if you are too sick or injured to work, you could qualify. This includes (but is not limited to):

• Loss of a limb
• Loss of hearing
• Paraplegia or quadriplegia
• Carpal tunnel
• Cancer
• Motor Neuron Disease
• Dementia or Alzheimer’s
• Severe Rheumatoid Arthritis
• Mental Health and psychological injury: depression, PTSD, Bipolar Disorder
• And many more.

To find out whether you can make the claim, contact your superannuation policy holder – then get in touch with our experienced team members and we’ll get the ball rolling on the paperwork.

Making a Total Permanent Disability (TPD) insurance claim isn’t a simple, five-minute task. You first need to contact your superannuation fund to see if they offer the policy and determine what you need to do in order to make a claim. You’ll need medical records and worker’s compensation claims (if relevant), and you’ll need to be able to answer a range of questions about your health condition.

At this point, you can’t afford to make mistakes. With AJB Stevens, our team of successful lawyers can ensure you have all the right documentation to support your claim, and we can make sure your paperwork is all submitted by the deadline. We’ll provide expert advice and keep you updated on the progress of your claim.

The amount you’ll receive for Total and Permanent Disability (TPD) claims varies, depending on your super fund, your age when you stop working and a few other factors. If you have more than one super fund, you may be able to make more than one claim. Most TPD payouts are between $60,000 and $300,000, with a large number at over $200,000. If you have a policy for Total Permanent Disability in Super, you can find your insured benefit amount on your member statement.

Your TPD insurance in Super claims are not considered taxable income; however, you may need to pay a superannuation lump sum withdrawal tax if you’re under 60 years of age. Our team can provide further information about this.

If your TPD claim is approved, you should be able to take this lump sum and your existing superannuation account balance out of your superannuation account at the same time.

We understand every case is different. If you’d like assistance in making a Total Permanent Disability insurance claim, the team at AJB Stevens are here to help make your future a little brighter.

If you are injured in a public place, the first thing you should do is seek medical help if you need it. You should always call 000 if you or someone else has been severely hurt or injured. Paramedics or medical staff will be able to help stabilise your injuries until you can have them properly diagnosed.

It is important that you advise your Doctor that your injuries were sustained as a result of an accident in a public place. This will need to be noted down in your medical records. Once you have sought medical help and advice, contact AJB Stevens. We will be able to tell you whether you have grounds to make a claim for compensation.

The compensation entitlements you can claim is dependant on your case. No two cases are the same. Once your AJB Stevens public liability expert has assessed your situation they will be able to advise you of all of the entitlements you can claim.
Generally, in most cases, you can claim for:

– Loss of income
– Hospital expenses
– Rehabilitation Costs
– Home Assistance
– Pain and Suffering
– Loss of Life Enjoyment

Strict time limits do apply when lodging a public liability compensation claim. While these time limits differ from state to state it is advised to contact AJB Stevens as soon as possible. Claim lodgement dates can be time sensitive but with the help the team at AJB Stevens, we will ensure all lodgement deadlines are met.

When you work with AJB Stevens the compensation claim process could not be easier. Our experienced lawyers will assess your situation to ensure that you have a solid case. From here we will look further into the situation that caused your injuries, taking care to ensure we have all the information we need. Once all information is gathered and accessed we will work to seek compensation through negotiations either with insurance companies or the person/s at fault. If negotiations do not work then we will help you through the Court process.

This all depends on your case. Compensation claims can take anywhere from one to three years however each case is different. Here are some things that can potentially affect the timeline of your case:
– Your injuries and injuries of other parties that have not yet been equalised and maintained.
– Negotiation difficulties
– Delays in Court if your case reaches that point

Your appointed AJB Stevens lawyer will be able to give you an estimate of how long things will take to progress and for you to receive maximum compensation, always making sure you are updated of any changes.