Superannuation Lawyers

A Total and Permanent Disability (TPD) claim is a request for payment under an insurance policy when you become permanently unable to work due to injury or illness. Most TPD insurance is included in superannuation policies.

You may be eligible if you:

1. Have been unable to work for at least 3-6 months (depending on your policy)
2. Meet your policy’s definition of total and permanent disability
3. Have supporting medical evidence

Common TPD claims in Parramatta include:

• Work-related injuries or illnesses
• Serious medical conditions (e.g., cancer, heart disease)
• Mental health disorders
• Degenerative conditions
• Accidents outside of work

TPD compensation typically includes:

1. A lump sum payment as specified in your insurance policy
2. Potential additional benefits depending on your superannuation fund
3. Coverage for medical expenses and ongoing care needs

The exact amount varies based on your policy and circumstances.

Time limits for TPD claims in Parramatta can vary depending on:

1. Your specific insurance policy terms
2. The date of your injury or diagnosis
3. Your superannuation fund’s rules

Hiring a Superannuation Lawyer in Parramatta offers several benefits:

1. Local expertise in NSW insurance and superannuation laws
2. Experience navigating complex claim processes
3. Higher chances of a successful claim
4. Maximised compensation outcomes
5. Stress reduction during a challenging time

In Parramatta, as in the rest of NSW, you should:

1. Notify your employer of the injury as soon as possible
2. Make a claim within six months of the injury occurring
3. Seek legal advice promptly if you’re unsure about your eligibility or the processIn some cases, such as gradual onset conditions or when there’s a reasonable cause for delay, these time limits may be extended. It’s crucial to act quickly to protect your rights.

TPD claims are typically handled as follows:

1. Initial assessment of eligibility
2. Gathering of medical evidence and employment records
3. Submission of claim forms to the insurer or superannuation fund
4. Negotiation with the insurer
5. Resolution or, if necessary, legal action

Compensation calculations consider:

1. Your insurance policy terms
2. The severity of your disability
3. Your age and future earning capacity
4. Ongoing care needs

Parramatta Superannuation Lawyers at Gajic Lawyers offer:

1. No-win, no-fee arrangements
2. Free initial consultations
3. Clear fee structures with no hidden costs

TPD claims in Parramatta typically take 3-12 months, but this can vary based on:

1. The complexity of your case
2. The responsiveness of the insurer
3. Whether legal action is required

Typical evidence includes:

1. Medical reports detailing your condition
2. Employment records
3. Statements about how your condition affects your ability to work

If your claim is rejected, you can:

1. Appeal the decision
2. Seek a review
3. Pursue legal action if the rejection was unfair

Our expert Paramatta Superannuation Lawyers at Gajic Lawyers  can:

1. Assess your eligibility
2. Gather and present strong evidence
3. Handle all communications with insurers
4. Negotiate on your behalf
5. Represent you in any disputes or appeals

Generally, no. TPD claims are for those who cannot work in their usual occupation or any occupation suited to their training and experience.