This blog explains how an insurer wrongly assessed our client’s future work capacity, why the medical evidence did not support a return to employment, and how a detailed IDR complaint ultimately led to the TPD claim being accepted.
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Back injuries are one of the most common reasons Australians stop working, yet they’re also one of the most misunderstood when it comes to eligibility for Total and Permanent Disability (TPD) and income protection (IP) claims.
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In this success story, we explain how insurers cherry-pick medical evidence to assess disclosure obligations. Our legal strategy relied a lot on clarifying the medical evidence, which helped our client overturn a denied TPD and income protection claim.
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Making a successful income protection claim is not always straightforward. Insurers apply strict policy definitions and require detailed evidence before paying benefits. In this blog, we explain some of the main challenges people face in income protection claims and how to manage them.
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Case review: This blog explains how three TPD claims for the same client were strategically prepared, why the medical evidence was critical, and how a $2 million outcome helped rebuild his future.
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When an eating disorder becomes so severe that you can no longer work, your superannuation TPD cover may provide a financial lifeline. But claiming a TPD benefit in those circumstances is rarely straightforward.
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