What does total and permanent disablement (‘TPD’) insurance cover?
If you are unable to work due to a severe illness or injury, TPD insurance can provide you with compensation. At The Law Office of Conrad Curry, we help clients navigate TPD claims to ensure they receive the compensation that they are entitled to.
What is TPD cover?
TPD cover provides a lump sum payment if you become “permanently disabled” and cannot return to work. However, insurance companies may deny or delay claims, making it all the more important to obtain early legal advice.
What does TPD insurance Cover?
Most policies of TPD insurance will be slightly different, will have different eligibility criteria, and different degrees of coverage. Generally, so long as it is not a pre-existing condition, TPD insurance will cover most disabilities that prevent you from working in your current or any occupation, depending on the policy. Common conditions include:
- Serious illnesses such as cancer or heart disease;
- Severe injuries like paralysis or brain trauma;
- Mental health conditions such as PTSD; and
- Degenerative diseases like Parkinsons or multiple sclerosis.
Specific conditions may be excluded, and it is important that you read your TPD policy carefully to ensure that you are informed of what coverage is available to you.
How a Law Firm Can Help
Ensuring that your TPD claim is successful requires medical evidence, policy reviews, and sometimes, expert advocacy in negotiations with the compensation payer (insurer). Our team is well-placed to assist by:
- Reviewing your policy and eligibility;
- Gathering supporting medical and employment records;
- Challenging denied or delayed claims through internal, and external, reviews; and
- If all of the above is unsuccessful, commencing and resolving court proceedings on your behalf.
Contact Us
If you are think that you may be eligible for a TPD benefit and are curious as to whether you qualify, contact The Law Office of Conrad Curry today. Our team is here to help you secure the benefits you deserve.
DISCLAIMER
This article reflects the current law at the time of publication. It is intended for informational purposes only and does not constitute legal advice. The actual decisions in each case are summarised for general understanding. For specific legal guidance in relation to your situation, please consult with a qualified legal professional.
