If you’ve been injured or are seriously ill and are unable to work as a result, you don’t need additional stress on top of everything. That’s why we want to be completely transparent with you about how a lawyer can help with your TPD claim.
Let’s look at some of the common reasons why engaging a TPD lawyer would be a good idea.
The definition of TPD varies from fund to fund
You’d think that there would be a standard definition of Total and Permanent Disability (TPD), right? Unfortunately, each superannuation provider seems to have their own definition of what TPD is.
Some policies say you have to be “unable” to work. Others say you have to prove that it is “unlikely” that you will ever work again. These are quite different words with different legal implications.
A TPD Lawyer would know the slight differences with policy wordings and would make a strategy around your TPD claim to increase your chances of a successful outcome.
Scrutinise the details
While changes in wording may seem insignificant, one slightly altered sentence can be the difference between lodging a successful claim and getting rejected. Oh no!
Unsuccessful claimants need to know that updated policy definitions that were applied to their TPD insurance claim might not have been tested by the courts, and any unfairly worded policy could be legally contested.
The applicable policy definition is generally at the date of your injury, not the date you signed up for your TPD insurance through your Super. This can create major roadblocks and challenges as the policy definition you understood at the time of signing up for your TPD cover may now be completely different to before.
A good TPD lawyer can help you clarify which definition should be applicable at your date of injury. This can completely change the outcome of your TPD case.
Issues with medical proof
Super funds and their insurers usually make requests for medical proof of your condition. Usually they are fair, but do keep in mind that at the end of the day, they don’t want hundreds of claims being accepted. It would cost them a lot of money. They make their processes as strenuous and stringent as possible in an effort to reject your claims.
For example, when it comes to medical proof of your disability insurers can sometimes ask claimants to undergo independent medical examinations from doctors with specialisations that don’t match their illness or injury.
There have also been cases where an insurer has asked someone to see multiple doctors so that they can choose between the various doctors’ opinions and pick one that is more likely to deny the claim.
A good TPD lawyer should review your medical condition thoroughly and understand which specialist or doctor would be able to assess you properly. A TPD lawyer can even help you reject insurers bias medical reports and organise a specialist for you to see that you are most comfortable with.
If you have a lawyer running your claim it is more likely that the evidence in support of your claim will be properly prepared. You are also less likely to get lost in all the legal jargon. TPD claims can be complex and can end up in court.
How can Shaheen Legal Help With Your TPD Claim?
We are known to be a leading law firm when it comes to TPD claims!
Our Principal Solicitor has worked for big life insurance companies helping the insurers in the past. But now he is dedicated to help individuals just like you in need.
How does that benefit you?
Well because of our experience working for the big insurers, we understand exactly how a TPD claim gets approved or rejected. We understand the inside details that the insurers company do not want you to know. Our Principal Solicitor has also worked for well recognised Personal Injury firms helping individuals just like you, so rest assure that we have a thorough understanding of this area of law from both Life Insurers perspective and your perspective.
How can you contact us to discuss your TPD Matter?
That’s easy! You can call us on (02) 9854 5552 and discuss your matter with us. Don’t worry, we understand your frustration, so we have decided not to charge you any money for your phone call.
So, pick up your phone and just call us. We will take care of the rest for you!
Still want to read more?
Call us today on (02) 9854 5552 or click below to book a FREE 30 minutes consultation with one of our experienced lawyers!
