Meet Matthew Arentz, Partner at DBH Lawyers, bringing over 20 years of experience in delivering trusted legal advice.
If you’re over 50 and unable to work due to illness or injury, you may be eligible for a Total and Permanent Disability (TPD) benefit through your superannuation. Most Australians have TPD insurance included in their super fund, offering crucial financial support when life takes an unexpected turn.
What is TPD and am I covered?
TPD insurance is designed to help if you’re unlikely to return to work in your usual occupation, or any job suited to your education and experience, because of illness or injury. Most super funds include this cover automatically. If you’re unsure, contact your fund or seek advice from a specialist TPD lawyer, who can check your coverage and estimate your potential benefit.
The claims process
Making a TPD claim can seem daunting, but you don’t have to do it alone. Legal experts can guide you through each step, from confirming your cover to preparing paperwork and gathering medical evidence. Generally, you’ll need to be off work for at least 90 days before starting a claim. Most claims are resolved within 12 to 18 months.
Costs and support
Many TPD lawyers offer a “no win, no fee” arrangement, meaning you only pay legal fees if your claim succeeds. Some out-of-pocket costs, like medical reports, may apply, but options exist to help cover these expenses.
Common questions
- Multiple super funds? You may be able to claim on more than one policy.
- Other claims? Workers’ compensation or other claims don’t usually prevent a TPD claim.
- Do I need a lawyer? Not always, but legal help can improve your chances and reduce stress.
If you’re considering a TPD claim, act sooner rather than later; getting advice early can make the process smoother and help secure your financial future.
Contact DBH Lawyers for an obligation-free first interview or to complete a Free Claim Check form. We’re here to help.
FREE CALL 1800 324 324
dbh.com.au
