We help people claim total and permanent disability (TPD claims), income protection, death and other insurance benefits all over Australia. We do this work in Adelaide and all-over South Australia (SA). We come to you which means, no matter where you are in SA, we can arrange for our expert superannuation lawyer, Tom Cobban to come and visit you at your home or somewhere nearby.
Because we are superannuation and insurance experts, we know all about the different types of super TPD benefits offered under each of the different funds.
In South Australia a lot of our clients have superannuation death and disability claims with superannuation funds that are unique to SA; for example, Statewide Super.
Before making a disability or death benefit claim from these funds you should remember that:
- Statewide Super usually provides default death, TPD and income protection insurance to its members.
- The death and TPD cover is usually linked, so claiming and being paid TPD will mean that you will no longer have death insurance cover. The income protection benefits are usually payable at 75% of a member’s pre-disability income and capped at a maximum monthly amount. They are usually paid for 2 years.
Definition of Total and Permanent Disability (TPD)
The meaning of Total and Permanent Disability varies from insurance policy to insurance policy. Under the SA based Statewide Superannuation scheme; for example, Total and Permanent Disability has two different meanings; one of the definitions is a work based (definition A) and the other is not (definition B).
The work-based definition* requires that, solely due to illness or injury, a person is (in summary):
- unable to work up until the time of the assessment of the TPD claim;
- under the regular and ongoing care of a doctor; and
- unlikely ever to work in any occupation that they are suited to by education, training or experience. Possible retraining is to be considered to work out what work may be available in the future.
Note of caution for any TPD claims
Importantly, if a person makes any change to their employment before they stop working or stops working and then attempts (and fails) to return to work, this can impact on the date from which the claim is assessed. This is important because it can change the amount that a person is entitled to and their eligibility to claim.
Therefore, we recommend that all people who are considering ceasing work or changing their work habits due to injury or illness get in touch prior to doing so. Similarly, anyone looking to claim on their superannuation TPD or private insurance policies should seek advice first.
We have a track record of running and winning TPD claims
We have had a lot of success claiming and winning superannuation insurance benefits for many people.
One such big win with a Statewide Super claim involved a man who lived in south-eastern South Australia.
We visited him in his home and during this meeting, we worked out that he had an entitlement to claim a TPD insurance benefit. We helped him lodge the claim, which was complicated by the fact that he hadn’t worked for about 5 years.
Further, he had moved from Adelaide to country SA, had consulted a number of different doctors in Salisbury, Mt Gambier and Millicent and had had some trouble engaging with his doctors due to the cost and the nature of his mental health issues and due to homelessness.
However, with a bit of elbow grease, some perseverance and a lot of know-how, we were able to get this man a benefit of around $65,000.
This is not bad when you consider that before this man’s financial counsellor referred him to us, he had no idea that he had any insurance cover in his superannuation account and had already accessed his superannuation account balance and closed his account.
It doesn’t matter what fund you have your policy(s) with
We have significant experience across the many funds available and we’ve run and won super and insurance claims for our clients, all across Australia.
If you’re unsure if you have any insurance entitlements for injury and illness or you’ve had a TPD, income protection or any other insurance claim rejected, don’t give up. Do not just let it be.
- Free advice
- No Win No Fee
- We come to you
- We never represent the insurance company
- We never give up
Contact us at [email protected] or call 0409 508 970 to arrange a visit in South Australia.
* This definition is current and accurate at the time of publishing but may change from time to time.
02 April 2021
JobKeeper is ending – sick or injured workers losing employment may consider a TPD or Income Protection claim
25 March 2021
As the JobKeeper wage subsidy comes to an end 21 March 2021, businesses who have relied on the subsidy to continue to operate will be forced to let staff go. We often see that the first staff members to be let go during tough times are those that suffer from injury or illness. What are their options?
What’s the deal with TPD claims and your capacity to work?
22 March 2021
We are often asked; can I return to work after my TPD claim is accepted? The answer varies from person to person and depends on the relevant definition of TPD that your claim refers to.
TPD and Income Protection Insurance for People with a Chronic Illness
05 March 2021
Many people who suffer from a chronic illness such as Multiple Sclerosis, Cancer, Motor Neurone Disease, Parkinson’s Disease, Chronic Heart Disease, Fibromyalgia, Depression or Chronic Fatigue Syndrome have potential superannuation insurance entitlements that they are unaware of that could make a substantial difference to their lives.