What is it?
If you are an injured person suffering a serious physical or psychological injury you may be able to access insurance entitlements attached to your superannuation fund. This is called a Total and Permanent Disablement Policy and you may not realise you have one because it is often hidden in the fine print of your policy.
How do you qualify?
Simple, you need to ensure you have coverage and meet the definition contained in your superannuation policy.
The entitlements are available to anyone who is seriously injured and have coverage, no matter the circumstance of how the injury or illness occurred.
You need to show that you are covered under a TPD policy at the time when you became ‘totally and permanently disabled’.
Superannuation funds have their own definitions of ‘total and permanent disability’, but for many, you will be considered totally and permanently disabled if you have been unable to work in your usual occupation for usually six months from your date of injury or illness and are unlikely to return to that employment, or other employment you are qualified to perform by education, training or experience.
How to show you are TPD
In order to qualify for total and permanent benefits under your policy you need to show that you meet the definition of total and permanent disability.
You will need to provide medical evidence to show that you have suffered a significant injury or illness. Most importantly, the medical evidence must support that your injury or illness will prevent you from returning to work that you are qualified to do.
After you submit your application and supporting evidence, superannuation funds will usually collect their own evidence and often require your treating doctor or specialist to complete forms which specify whether you have capacity to work.
Accessing your TPD benefits can sometimes be a lengthy process, especially if you do not provide the superannuation fund with the right information to allow them to perform an efficient assessment.
How can we help
Although the definition seems straight forward, if you do not have a clear understanding of the requirements of satisfying the TPD definition, the process of obtaining your TPD benefits can become lengthy and complicated.
Our solicitors have experience with TPD claims and understand what evidence needs to be attached to your TPD application to satisfy the definition, including medical evidence and vocational evidence.
If you would like to know more about total and permanent disablement claims and would like some assistance, don’t hesitate to contact our team at Burke Mead Lawyers on (02) 4902 3800.