People often worry when they need to make a TPD insurance claim that the insurer will find a loophole or trick them into making a mistake in the claims process so that they can reject your claim. You are right to be concerned.
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As the JobKeeper wage subsidy came to an end in March 2021, 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. What are their options?
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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.
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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.
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Income protection, also known as salary continuance benefits are a type of insurance where benefits are paid for a defined period; usually 2 years, 5 years or until age 60 or 65. Total and Permanent Disability (“TPD”) benefits are usually lump sum payments which are paid to people who cease work due to injury or illness...
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As insurance lawyers, it’s been interesting to see the pandemic exclusion clauses in use during the year. These clauses, for the most part, have had an effect on business insurance and travel insurance. Fortunately, for people accessing injury and illness insurance, exclusion clauses have had little impact.
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