TPD Lawyers Sydney | Total and Permanent Disability Lawyers

TPD claims can be denied for one or more of the following reasons, if you:

• Don’t meet the disability outlined in your policy
• Have an inactive or invalid policy
• Haven’t provided convincing medical evidence to support your TPD claim
• Haven’t met work history requirements
• Failed to disclose pre-existing injuries
• Have errors or inconsistencies in your evidence

Remember that these reasons depend on your insurer policy, circumstances and medical evidence. They may not be entirely accurate for your claim. You may feel that you have provided all the evidence you could obtain, but it might still not be enough for your insurer to move forward with approving your claim. As your insurer makes the decision, this process can be frustrating.

If your claim is denied, reach out to one of our TPD compensation lawyers who will help you navigate your way through.

If your TPD claim is denied, you have the right to dispute the insurer’s decision.

Insurers can sometimes make mistakes, and you are entitled to request a review of their decision. A claim denial doesn’t mean the insurer’s decision is final or correct. If you believe the decision was unfair, you can file a formal complaint with your insurance or superannuation provider to seek a review. Additionally, you can take your complaint to an industry tribunal or the Financial Ombudsman Service.

We strongly recommend contacting our experienced TPD lawyers for expert advice on how to challenge the decision and guide you through the next steps.

Yes.

It’s important to understand that receiving a TPD payout is based on the evidence that demonstrates you are unlikely to ever return to work. However, this doesn’t mean that if you eventually recover from your injury—whether physical or psychological—you are barred from returning to work because of the TPD payout. The assessment is made based on your condition at the time of the claim.

If you still have concerns, our experienced TPD lawyers at Withstand Lawyers are here to support you. We can guide you through this challenging period, whether you’re dealing with physical, psychological, or a combination of both types of injuries.

If you have suffered a serious illness or injury that has left you unable to work, you may be eligible to claim TPD compensation from your superannuation fund, depending on your policy. TPD benefits are not automatically granted; you must submit an official claim to your insurer detailing your situation and providing the necessary evidence.

To qualify for a TPD payout, you will need to medically prove your condition. Start by obtaining a medical certificate from an approved specialist. Additionally, you should provide information about your occupation, payroll records, and any other relevant documents that explain why your injury prevents you from performing your job. Once you have gathered all these documents, complete the claim form and submit it to your insurer to begin the TPD claim process.

Different types of cancer can significantly impact a person’s life, especially if left untreated until advanced stages.

If cancer has prevented you from working, our TPD claim lawyers can help assess your eligibility for making a claim. The details of your superannuation policy and the medical reports documenting your illness will be key factors in determining your eligibility for a TPD claim.

When making a TPD claim, you will need to provide medical evidence to support your claim.

You should review your policy and inform your doctor and other relevant medical practitioners about the definition of your policy. It is also important that you inform your doctor of any other barriers that might prevent you from working.

Additionally, you should include evidence relating to your education, training and work history. This information can help demonstrate that you are unable to perform any other jobs that your superannuation company might consider suitable based on your previous experience, especially after your injury.

If you were a member of more than one superannuation fund at the time of your illness or injury, you may be able to claim TPD benefits from each fund, provided you were a member at the time of the event. However, this is contingent on the insurance policies within each superannuation fund explicitly stating that they offer TPD benefits. It is crucial to check whether your policies include this coverage in the event of an illness or injury.

Since navigating multiple claims can be complex, don’t hesitate to contact our experienced team of TPD lawyers. We can simplify the process for you and work to secure the best possible outcome.