What is a TPD Claim?
The first thing that you need to know is TPD stands for ‘Total Permanent Disability. So as you might have already induced, a TPD claim can be made if you have been rendered incapable of performing your normal work and routine due to some accident or illness. You might be eligible to receive the TPD benefits if you cannot perform your normal work due to some mishap. If you have a superannuation fund, then the TPD benefits are offered through that fund.
What Makes you Eligible to Make a TPD Claim?
You will need to stress to make a successful TPD claim because you are completely incapable of performing your previous work or job. Also, the situation should be serious enough to prevent you from performing properly at other jobs ever again. So in simple words, you should be incapable of performing an old job or new to make a claim successfully.
However, there are different insurers, and sometimes the different funds require different kinds of requirements. Hence the requirements for a successful claim might vary from person to person. For example, a certain number of claims require that you should be incapable of being even trained for some other job.
In simple terms, for a successful claim, you will need to meet all the requirements posed by the insurance company, which may include some statements from your present employer and the doctors who are treating you. Now, these forms and requirements can be very confusing to perform on your own. That’s why you need the help of the best TPD lawyers to make the best out of your income protection claim.
Getting a Good TPD Lawyer is very Important
Some people might think that getting a lawyer is unnecessary and will just add to the expense. The reality is far from that, and hiring a decent TPD lawyer can effectively make the process smoother and less time-consuming. The concept of a TPD claim or an income protection claim might sound straightforward forward, but there are too many problems to plague you on the way.
The biggest problem when it comes to claims is that the different insurers and companies have their definition of the requirements for the claim. So if certain criteria worked for someone you know, they would not be necessarily applicable for you as well. All the paperwork and technicalities involved in satisfying the requirements for a TPD claim from different companies might seem impossible for a normal person. That’s why hiring a decent TPD lawyer is very important and necessary.
Furthermore, specifics vary from person to person depending on the nature of their injury or disability. If you have a good lawyer, they can quickly analyze your situation and determine if you can make a successful claim.