#1 Perth Personal Injury Lawyers
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No Win No Fee No Risk!
At Gajic Lawyers, that's our guarantee! If something has happened to you at work, on the roads, or in a public place, we'll take care of all the legals on a No Win No Fee basis. That means, No Risk to you!
Don’t let your accident define your future. Take the first step towards reclaiming your life by contacting Gajic Lawyers today. We’ll guide you through a free, no-obligation consultation to assess your case and explain how we can help you get the compensation you deserve.
Your journey to recovery starts here.
How We Get You Better Treatment, Faster & More Compensation
1
We Listen & Hear
your Story
We have heard the stories of thousands of injured Australians and successfully secured great compensation for them.
2
We Prioritise Your
Treatment
Suffering from a life-changing accident has major ramifications on all aspects of your life and the lives of others. We do everything at our end to ensure your only focus is your physical and psychological recovery.
3
We Accelerate Your Compensation Claim
Having literally secured compensation for thousands of people across Australia, we know how to optimise compensation claims and achieve fast results.
In Perth, Total and Permanent Disability (TPD) claims are often covered by superannuation funds but these can also be included in standalone insurance policies. However, many residents unknowingly have TPD coverage through their superannuation. This coverage provides crucial financial support for individuals who, due to illness or injury, are unable to work permanently. To successfully make a claim, you must demonstrate that your condition meets the policy’s definition of total and permanent disability, which typically means you are unable to perform your usual job or any other suitable work.
Check your superannuation fund’s product disclosure statement or contact them directly. Most Australian super funds include TPD insurance by default.
Yes, if you have TPD insurance in more than one fund, you may be able to claim from each of them.
TPD insurance is usually separate from your superannuation balance. Claiming TPD shouldn’t affect your super balance, but it’s best to confirm with your fund.
Fund members who become totally and permanently disabled, preventing them from working in their usual occupation or any suited occupation.
Typically 3-12 months, but complex cases may take longer.
Serious injuries, chronic illnesses, mental health conditions, and degenerative diseases that prevent you from working.
The amount varies depending on your policy. It’s usually a lump sum, but the value can differ significantly between funds and policies.
Yes, if your mental health condition meets the policy’s definition of total and permanent disability.
Whilst not mandatory, a lawyer can significantly improve your chances of a successful claim, especially in complex cases or when dealing with policy interpretation issues.
You can appeal the decision. This often involves providing additional evidence, challenging the insurer’s interpretation of the policy, or lodging a complaint with the Australian Financial Complaints Authority (AFCA).
Yes, there are often time limits which can vary depending on the policy and fund. It’s crucial to seek advice promptly after becoming disabled.
Yes, a successful TPD claim is generally considered grounds for early release of superannuation benefits, subject to meeting certain conditions.
TPD benefits paid through superannuation may have tax implications. The tax treatment can depend on factors such as your age and whether you receive the benefit as a lump sum or income stream. It’s advisable to seek professional financial advice.
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