SUPERANNUATION
CLAIMS AND TPD
CLAIMS

Firstly, to ensure that you are covered, you must satisfy the specific eligibility requirements and exclusion clauses that are invariably contained in the fund’s TPD insurance policy. This will often depend upon your particular circumstances at the time the insurance policy was entered into by the fund. Usually factors such as, whether your employer had made regular super contributions or whether you were actively working, your age and/or pre-existing conditions are matters that will be considered.

Secondly, to be entitled to make a TPD insurance claim, you will have to meet the definition of “Total and Permanent Disablement” as specifically defined in the particular insurance policy. The definition is usually intended to cover people who are unlikely ever to be able to work again because of permanent restrictions arising from their injury or illness.

Finally, the TPD benefit amount that you may be entitled to will depend upon the date of disablement, not necessarily how much your TPD insurance cover is provided for. This will also mean that, even if your superannuation fund informs you that you do not have TPD insurance today, you may have had TPD insurance at the date of your disablement and therefore would still be entitled to make a claim.

To be eligible to make a TPD insurance claim, you generally need to be under the age of 65 years at the date you ceased working on account of the injury or illness and held either an active superannuation account with insurance cover in place, or another personal disability insurance policy.

Generally, it does not matter if contributions had been made into your superannuation account for a long time or even if you had closed your account after you stopped work. Brydens Lawyers are able to make investigations on your behalf which would include the identification of any superannuation accounts that may have been contributed to by you and/or your employer and determine from same whether or not you were in fact covered for insurance benefits under any of these accounts at the relevant time.

Brydens Lawyers are the experts in the area of TPD and superannuation insurance claims with extensive experience in managing disability insurance claims from those arising out of default insurance arrangements with a superannuation fund, to more complex arrangements relating to individual contracts of insurance cover.

At Brydens Lawyers, we will assist by lodging all superannuation and disability insurance claims supported by detailed and lengthy submissions and often containing citations of legal precedent or authority to support the claim. It is this level of expertise supported by our experience that will often result in claims resolving without having to go to court. We are also able to assist our clients by simplifying the claims process meaning that we can look after an insurance claim with a super fund from start to finish. This would involve the making of all the initial investigations to reviewing the applicable policy documents and providing advice on the policy definitions to ensure that you fall within the scope of the policy and are entitled to benefits.  Brydens Lawyers will also liaise with your doctors and other third parties to recover all the necessary and relevant evidence to support the claim.  Brydens Lawyers will communicate with the superannuation fund manager throughout the duration of the claim to ensure that the claim is prosecuted diligently and expeditiously.

The expert superannuation lawyers at Brydens Lawyers will assist you in locating accounts where superannuation funds may have lost contact with you in order to ensure that all claims available to you under any superannuation policy are actively pursued.

When it comes to TPD and superannuation claims, strict time limits may apply. To find out more about any superannuation insurance claim that may be available to you, allow the team of experts at Brydens Lawyers the opportunity to advise in a free* initial consultation.  Contact Brydens Lawyers without delay on 1800 848 848 or at Brydens.com.au. *Conditions apply.