Income protection benefits are sometimes also referred to as salary continuance benefits or total and temporary disability benefits. As their names suggest, these benefits provide an alternative source of income for you to live on if you are unable to work due to illness or injury.
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If you are diagnosed with Parkinson’s Disease, it is possible that at some point you will be forced to cease working either temporarily or permanently due to the impact of the illness on your work capacity. If you do stop work, you may be entitled to TPD benefits or income protection benefits you hold in an insurance policy.
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In most super funds, there is no time limit for claiming insurance benefits. In other words, in most cases people can lodge a total and permanent disability (“TPD”) or income protection claim on superannuation based policies years after they cease work.
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If you’re diagnosed with depression and can no longer work due to the illness, you may be entitled to insurance held in your superannuation. This could include TPD benefits and/or income protection benefits.
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Along with private insurance for illness or injury, many Superannuation funds also have what we call TPD insurance. This allows you to make a claim on that insurance if you become “totally and permanently” incapacitated by injury or illness. We are often asked, “how long will my TPD claim take?”
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Most people who are diagnosed with MS and have worked at some time during their life will be entitled to income protection and Total and Permanent Disability (TPD) benefits which they hold in their super if they stop working due to the symptoms of MS.
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