If you have suffered a personal injury and that injury has and will prevent you from returning to work in your occupation or any occupation then you may have a claim under your Superannuation policy for total and permanent disablement (TPD). These claims are very difficult and the insurer usually disputes them so it is important that you seek legal advice from a Queensland personal injury lawyer that specialises in these claims.
Whether or not you qualify for a TPD claim depends largely on the wording of the Insurance Policy. Some Insurance Policies will cover you if you cannot return to work in your own occupation but other policies will only cover you if you cannot return to work in any occupation.
This can sometimes lead to legal disputes with the insurance company and it is important that you have a specialist lawyer representing you in your TPD claim.
Brisbane TPD Specialist Lawyers
When you retain a lawyer to act for you in a TPD claim the first thing they will do is obtain the policy and find out how much money you will be entitled to recover. Your lawyer can then give you early advice as to whether or not you may have a claim, how much you may recover and what needs to be done to obtain the money for you.
Your lawyer will then prepare all of the paperwork for you to sign and will then lodge your TPD claim with the relevant insurer. Your lawyer will then have you attend a Doctor and the insurer may arrange for you to attend a Doctor of its choosing. Sometimes there is a large difference in the conclusions reached by the Doctors with the insurer’s Doctor concluding that you can work.
Your lawyer will maintain pressure on the insurer to make a decision and if the insurer accepts your claim you will receive your TPD payment. If your insurer rejects your claim there are avenues to dispute the insurer’s decision including the Superannuation Complaints Tribunal and ultimately in Court. Remember, we’re on your side.
Your Claim Lawyers act for clients all over Queensland in their TPD claims. We act on a no win no fee basis and pay legal outlays.
If you think you have a TPD claim please call Your Claim Lawyers on 1800 968 725 or 0400 839 314 for a free consultation.