Although there are similarities in TPD definitions across funds, there are also differences that can impact whether your insurance benefits will be paid. One common definition is called an ‘own occupation’ TPD definition. These TPD insurance policies enable you to claim if you cease work and are permanently unable to return to your own occupation.
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We’ve run and won many TPD claims with significantly complex and tricky hurdles to overcome. In this blog, we review just one of those success stories which delivered our client $1.25 million dollars in TPD benefits that may ordinarily have been lost to them.
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For individuals with IBS, both Total and Permanent Disability (TPD) and income protection claims can be complex but are not impossible. This blog explores IBD and IBS symptoms, their effects on work capacity, and how these can impact disability insurance claims.
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TPD lump sum payments can range from tens of thousands to millions of dollars. However, the amount of a TPD payout can vary and is calculated based on several factors. It can be complicated, so understanding how it works is important.
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Our client told us that her multiple sclerosis meant that she had to cease work as a school teacher. She lodged a trauma insurance claim and was paid an insurance benefit of $10,000 based on the category of disability the insurer determined. We worked with our client and her doctors to eventually deliver a $250,000 payout.
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Unnecessary and unwarranted delays by insurers assessing claims can be frustrating for policyholders and can often lead to significant financial hardship. Understanding the rules and regulations for insurers when they are assessing a claim can be vitally important to getting a claim assessed and approved in a timely manner.
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