What is TPD?
Total and Permanent Disablement (TPD) insurance supports you or your loved ones in a financial capacity in case of serious injury or permanent disability as a result of an accident. TPD insurance aims to modify your lifestyle and gives you choice and options if you're left without the ability to work. It provides you or your family with a one-off payment to fund lifestyle changes, covers the cost of long-term care or medical expenses, pays off your bills, outstanding debts, loans and mortgages as well as covering ongoing income for your family. A TPD claim benefit can be received when the policyholder has satisfied the definitions of TPD as defined by the insurance company or Super Fund in which their cover is held. It is extremely important for policyholders to be clear on what definition their policy falls under to avoid any surprises in the event of disablement. Generally, Total and Permanent Disablement will be considered under either “Own Occupation” or “Any Occupation”
Our process
01. Request
To give you the right advice, we will request the documents from the Insurer to find out why your claim was denied and what your entitlements are. We simply obtain your authority to communicate with your insurer and request their file. We will also require your medical records from treating doctors and specialists.
02. Review
Once we receive the documents from your insurer and medical treatment providers we can give you tailored advice as to your rights. We ask the right questions to get the full picture. We will organise a Medical-legal assessment to confirm that your condition meets the required criteria.
03. Demand & Litigation
Once we have assessed your claim and feel that your insurer has incorrectly assessed your claim we will send a letter of demand and may attempt settlement negotiations. Should the negotiations fail we will file a Statement of Claim on your behalf to obtain a decision from the court.
04. Success
With the threat of litigation and strong medical evidence, we have been successful in changing the insurer's view and obtaining a significant positive outcome for our clients. Our no-win no-fee terms allow you to rest assured in our expertise in handling your claim professionally.
