About Our TPD Insurance Lawyers

TPD or Total and Permanent Disability Insurance is available to assist you by the payment of a lump sum that can help with your medical and other expenses. It provides money to pay the bills moving forward in circumstances in which you are unable to work because of illness or injury. Most superannuation policies provide the TPD component.

If you contact us and provide us with your authority, we can investigate the full amount of the TPD benefit
available to you (which in some cases is more than $500,000) and navigate you through the steps required in order to get that money paid to you.

Obtaining your full and proper benefit is not as difficult as you might think if you retain us as your specialist TPD lawyers. We have a vast experience in this area, have a good relationship with the various insurers and have an excellent track record of ensuring that TPD claims are paid with the minimum of trouble to you.

The legal processes involved with TPD insurance claims may vary depending on the nature of your injuries and the amount of compensation you intend to claim.

We are happy to guide you through the TPD claims process step by step to ensure you lodge your claim with all the correct forms and medical reports.

The amount of TPD compensation you can claim will be based on your personal circumstances. The conditions of your superannuation policy may also influence your TPD payment. After reviewing your situation, our team of TPD lawyers will be able to provide you with a more accurate idea of what you are entitled to.

As with all cases involving personal injury, strict time limits apply to TPD claims. If you fail to take legal action within the required time limit, there is a chance you could lose your entitlement to claim. To ensure you meet every legal deadline, be sure to lodge your claim quickly.

A range of serious injuries and illnesses are covered by TPD claims. To qualify for a TPD payment, you must be able to demonstrate that you can no longer work.

While TPD claims cover a broad range of injuries, these are some of the most common conditions associated with TPD insurance claims:

• Hearing loss
• Vision impairment
• Mental health conditions
• Spinal injuries
• Brain injuries.

If your ability to work has been affected by a serious injury or illness, you may be eligible for a TPD payment. TPD insurance claims can be made by individuals who can no longer earn income in their former capacity.

TPD insurance claims are designed to provide financial support so that you can get on with your life. This type of compensation can be made available through your superannuation fund.

If you have a TPD claim, contact Sinnamon Lawyers today to discuss your case. We will be able to discuss your case with you and walk you through the claims process to help you get the compensation you deserve.

The TPD process usually takes between 3 months – 12 months. The time that it takes depends upon the type of injury for which the TPD claim is made and the super fund that we are dealing with.

Generally, we are able to ensure that your TPD benefit is paid as quickly as possible. TPD insurance claims are notoriously denied by the TPD superannuation fund in circumstances in which people act for themselves.

As TPD superannuation lawyers, we are able to ensure that your TPD compensation is paid as soon as possible and that you receive the full and proper TPD benefit.

Usually, the insurer requires a certificate or form to be completed by your doctor who can confirm that you are suffering from TPD. You may be entitled to a TPD payment even if you have a residual capacity for work, but you have been disadvantaged or are unable to work in your usual capacity. There is also an initial claimant’s document and questionnaire which may ask you questions about your previous work history and the circumstances of what has led up to your total and permanent disability position.

We assist all of our clients in completing this document properly to ensure that you do not run into problems down the track with an ambiguous answer or an answer which may delay your claim. The other document required is an employer statement which provides the TPD insurer with some information concerning your past employment. Any other documentation required by the insurer will be obtained by us to ensure that you are not left with more work to do in order to recover the benefit to which you are entitled.

Not only do we need reports from your own doctor, but we will also, if necessary, as your
TPD lawyers refer you to our own specialists who can provide us with reports concerning your condition.

We are committed to ensuring that TPD benefits are paid to our clients with the minimum fuss and expense and inconvenience to our clients. You can call us on 1800 007 277 at any time for free advice or even just for a chat concerning the potential for you to make a claim.

There is no cost to you for making a call to us and we are very pleased to answer any questions that you might have concerning your eligibility for a TPD claim.

You can make a TPD claim if your mental health condition has forced you to stop working. Your eligibility to a TPD benefit is in respect of any accident or illness that prevents you from working.

As your TPD Insurance lawyers, we are able to ensure that your TPD claim is handled as quickly as possible. You can call us for free advice concerning the above. Mental health issues are realised as proper circumstances in which a TPD compensation claim can be made, and superfunds recognise that a struggle arising from a mental illness is a circumstance in which TPD benefit is payable.

We would be pleased to represent you. We, as TPD lawyers, are leading lawyers in this field and are happy to explain the TPD claim process to you and assist you in making TPD claims. We have a good relationship with TPD superfunds and are dedicated to ensuring that successful TPD claims are made on behalf of our clients and that the full TPD benefit is payable to them.

We ensure that your claim is given the highest probability of success with the minimum of expense. We provide a very personal approach to mental health TPD claims and you can be sure that we have understanding concerning these types of claims and we will provide you with the very best possible support.

Yes. You can make a TPD claim on top of your common law injury claim, or a car accident, medical negligence, public liability or work accident and that claim is made on top of the benefit that would be payable in respect of the TPD claim.

There are two definitions in relation to TPD.

There is the TPD claim available for a person who cannot return to work in the occupation in which they are trained for and there is a policy in respect of a person who cannot return to any occupation.

We can consider the terms of your policy and determine where your claim fits. We would appreciate having the opportunity to consider your policy and provide you with further obligation-free advice as to your eligibility so that you are not denied a benefit you are entitled to receive. Our job is to ensure the process is simplified and that you are compensated with the minimum inconvenience. You can contact us anytime to discuss your eligibility and all advice provided to you is obligation-free.

The answer to this question is yes. For instance, if you have treatment after your successful TPD claim and manage to return to some type of work then you can do so. Of course, every policy is different, and it would be necessary for us to consider the policy properly before taking this step.

Usually this occurs when the superfund does not believe that you satisfy the definition of TPD. It is our job to ensure that the proper medical evidence is obtained that fully supports your eligibility and that you are not denied TPD insurance, when in reality, you are eligible to it under the policy despite the insurer’s rejection of it.

Our involvement at the very start of the claim gives the best chance of success rather than us becoming involved after a claim has been denied.

Feel free to ask us for our free guide concerning TPD claims or simply contact us so we can arrange an obligation-free zoom, telephone or personal appointment to discuss your situation. In less than 5 minutes we can analyse your situation and let you know whether you qualify to give you peace of mind.