Can’t work due to a medical reason? Getting it right from the start of the process is critical to a successful and prompt resolution to support yourself and your family.
Who can claim?
Many employer superannuation policies include disability insurance for employees for Total and Permanent Disablement. If you have this kind of insurance, and an injury or illness (it does not have to be work related) stops you from doing your usual kind of work, you will very likely be able to make a Total and Permanent Disablement claim.
Importantly, to make this kind of a claim, you do not have to be unfit for all work. You simply must not be able to perform your usual work, or other suitable work within your education or skill set. For example, if you are employed as a process worker performing mainly manual labouring work, and you sustain an injury which prevents you from doing manual work, it would not matter that you may be able to perform alternative work such as sales, office work, or similar. You may still be entitled to claim a benefit.
If you are a subcontractor, courier or owner-driver with appropriate insurance, it is likely you also qualify for the same benefits.
At Brydens, our lawyers are experts in Total and Permanent Disablement claims and will be happy to advise on your disability insurance dispute.
What can be claimed?
If you are eligible to make a claim, benefits may include:
- Disability benefits.
- Income protection or salary continuance benefits.
- Death and/or terminal illness benefit.
How do I claim?
Total and Permanent Disablement claims can be complex, confusing and difficult to pursue. Our experience shows that getting it right from the start of the process is critical to a successful and prompt resolution.
At Brydens, our lawyers and staff are specialists in the prosecution of Total and Permanent Disablement claims, and will be very happy to assist you in getting the best possible result.
To find out if you are eligible to make a claim, contact us now