SuperTalk Blog

JobKeeper has ended – sick or injured workers who lost employment may consider a TPD or Income Protection claim

 


TPD and income protection claims if you’re sick or injured and lose your job after JobSeeker ends

As the JobKeeper wage subsidy came to an end on Sunday 28 March 2021, many businesses who had relied on the subsidy to continue to operate were 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. If you fall into this category, you may be eligible for insurance benefits (like TPD and income protection) through your super.

Many staff members that have their employment terminated will need to find other employment. Those that are unable to find employment will look to rely on JobSeeker or other Centrelink benefits for income.

Claiming TPD may be possible for injured and sick workers after JobKeeper ends

However, if injury or illness is a factor in you being unable to find employment after being let go due to the changes to the JobKeeper subsidy, you should consider making a claim on any insurance benefits available through your superannuation. This can be the case even where JobKeeper played a role in you ceasing work.

Income protection and TPD benefits can provide much needed financial support to those that are unable to work due to illness or injury. Your injury may be a physical or a mental illness. Importantly, any injury does not have to be related to your work. This means that if you suffer an illness unrelated to your work, for example:

  • Multiple Sclerosis;
  • Cancer;
  • Motor Neurone Disease;
  • Parkinson’s Disease;
  • Chronic Heart Disease;
  • Fibromyalgia;
  • Depression;
  • Chronic Fatigue Syndrome;
  • or other illness,

you can also claim TPD benefits if you have to stop work due to this illness. You can read more about this in our article, “TPD and income protection insurance for people with a chronic illness”.

Get help

We are insurance experts. We can investigate what insurance benefits you hold in superannuation and let you know if you can make a claim.

We don’t charge a fee to complete these investigations and we can help you to make any claim on a no win, no fee basis. That means that you only have to pay us if we help you to make a successful claim.

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Anywhere else in Australia:  03 9448 8048

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