As per reports, around 12 per cent of TPD claims between June 2020 and July 2021 were rejected. If, unfortunately, you end up falling in this category, it can make your financial position unstable after a severe illness or accident.
Making a claim can be difficult, but it is worth it if you are eligible. If you are confused about your need to hire a lawyer to help with your claim, then read on for more information.
This article will explain what Total and permanent disability lawyers are and what they can do for you. It will also discuss the benefits of using a lawyer and TPD claim eligibility. So, if you are considering making a claim, then keep reading.
What Is TPD Insurance?
Total and permanent disability insurance is a policy that provides benefits to employees who are permanently disabled.
This insurance is usually offered through an employer but can also be purchased as a standalone policy. The benefit under this insurance is a lump sum amount based on your cover. It is paid by superannuation as part of your employment. Usually, a range of disabilities and illnesses are listed in the insurance statement.
Who Is Eligible to Make a Claim?
It is essential to know about your TPD eligibility before calling a lawyer. To make a claim, you must be considered ‘disabled’. This means that you cannot work or earn an income because of your illness or injury.
It would be best to have active insurance, and you should have been employed before the injury or illness. You must also be under the age of 65 and have had continuous cover with your insurer for at least two years.
When Is the Claim Rejected?
If you are ineligible to make a TPD claim, your claim will be rejected. This can happen for a number of reasons. For example, you may not have met the eligibility criteria, or your illness or injury may not be covered by the insurance. Or even if the insurance company thinks you will be able to recover from the injury or accident.
It is crucial to speak to a lawyer if you consider making a claim. They will advise you on your eligibility and help you with the claims. They will not only help with negotiations but will also represent in court if the need arises.
What To Expect from a TPD Lawyer?
These lawyers help people with Total and permanent disability claims. If you consider making a claim, you should speak to an experienced lawyer.
When you work with a total and permanent disability lawyer, here are a few things that you can expect:
- A lawyer will help you understand your claim eligibility.
- You can expect to receive support and guidance throughout the entire claims process.
- Lawyers will help you gather the evidence you need to support your claim.
- Attorneys will negotiate with insurance companies on your behalf.
- They will provide you with advice, helping to ensure that you make the best possible claim.
If you consider making an insurance claim, then speak to a TPD lawyer today. They can help you get the support and advice you need to make a successful claim.
I am the one who loves to read and also has a special interest in writing. I have written for many websites and shared my views with the reader. I have always received warmth and love from my audience. I hope you will love my work too.