Claim TPD Compensation with LHD Lawyers

Most superannuation providers include Total and Permanent Disability and death insurance cover with their superannuation policies, so you will most likely be covered by TPD insurance if you have a superannuation policy. These entitlements however, are not always made obvious by your provider, and it can be difficult to find enough information about them. This is why you need a lawyer for a TPD claim, while not strictly required, the best TPD lawyers will help you interpret your policy and find all the entitlements you deserve if you are totally, permanently disabled. From here the TPD insurance claim process involves meeting the required disability level, satisfying minimum wait times and fulfilling all the requirements around work history. Our TPD lawyers across Australia, from TPD lawyers and Melbourne TPD lawyers Perth to TPD lawyers Cairns and TPD lawyers Gold Coast can assist you in getting the TPD insurance claim payments you need to start living your life again.

While Workers Compensation only covers a few health problems, most TPD policies and TPD insurance claims should cover all health problems, from mental health issues to pre-existing medical conditions. Of course, this is contingent on your specific policy, as some may exclude pre-existing conditions. It is best to speak to expert TPD lawyers in order to discover if your superannuation policy covers your TPD injury.

If you have a TPD lawyer looking after your claim you can guarantee that that the evidence in support of your claim will be properly prepared, the correct paperwork filed within the right deadlines and you will have an expert on your side who knows the ins and outs of TPD insurance claims. You are also less likely to have problems with the super fund or insurer. If TPD claims were simple, you would not need a lawyer for a TPD claim however, when it comes to something as important as your financial situation, having a TPD lawyer on your side is beneficial.

Your eligibility to make a TPD insurance claim will depend on the requirements set out in your specific superannuation policy. These can be quite different from fund to fund however, some of the common requirements include:

• The level of disability: before lodging TPD insurance claims, it is likely you will have to show you are suffering a ‘minimum’ level of disability, according to your policy. This generally considers your ability to return to work in the same capacity or your ability to work at all in the future
• Your super fund: your entitlement to lodge a TPD insurance claim will depend on whether this type of cover is included in your superannuation policy. If unsure, contact your superannuation fund, your TPD lawyers Newcastle or TPD lawyers Sunshine Coast (or TPD lawyers in your locality) and look at your current superannuation product disclosure statement
• Waiting periods: before lodging a TPD insurance claim, most policies will require you to be absent from work for a minimum period commencing from the date of your injury or illness
• Employment history: some policies require you to be with your employer for a minimum period before you are eligible to make a TPD insurance claim

TPD insurance claims vary in cost from case to case depending on how hard the case is to prove and how many superannuation policies and TPD insurance claims you have to make. LHD’s TPD insurance claim lawyers offer a no win no fee service, meaning if we don’t win your TPD benefits, you don’t pay our fees.

LHD Lawyers are a leading Australian law firm offering a range of general legal services that are required throughout a person’s lifetime; from employment law and contract dispute advice through to Will preparation and Powers of Attorney, and everything in between. Over the last 30 years, LHD has grown to be one of Australia’s largest legal firm with approximately 90 staff including over of 25 lawyers.