Total and Permanent Disability Claims

As an employee in Australia you should be a member of a superannuation fund. In addition you may have personal insurance. If you become sick or injured and are unable to work regardless of who was at fault you may be eligible to receive an income benefit or a lump sum payment from your superannuation fund or insurance policy.

There are four types of insurance/superannuation benefits that you may be able to access:

1. Total and Permanent Disability - May be available if you have been off work for more than 6 months through illness or injury.
2. Income Protection - If you hold an income protection policy you may be eligible to receive a benefit up to 75% of your gross income for a period of time.
3. Trauma - If you are suffering from a identified medical condition or injury you may be eligible to receive a lump sum payment.
4. Death - A lump sum payment from your superannuation fund may be paid.

When should I claim?

There is no specific time frame for claims under a superannuation policy but to ensure that you have financial security it is best to start the process as soon as possible.

If you have made a claim under your insurance policy and have been rejected Taylors Solicitors can review your policy and make an appeal against the decision if there is a reasonable chance that the decision can be overturned.

How much will it cost to make a claim?

At your free initial consultation speak to one of our solicitors about whether your case can be run on a “No Win No Fee” or “Deferred Fee Basis”. It is important that you are told the details of the fee structure.