TPD Lawyers - Total & Permanent Disability
A TPD Lawyer negotiates with the insurance company or super funds and helps you get the maximum compensation that you are entitled to. TPD stands for Total and Permanent Disablement and it is an insurance that is linked to superannuation. It is quite common to hold a TPD policy with their insurance company. It comes into effect when the person holding the policy is unable to resume work due to injury or illness. It can even not be work-related injury and you can still claim it. However, if it is work-related then it is best if you deal with a workers compensation lawyer.
TPD Lawyers first contact the insurer to check whether your insurance is valid or not. Then they gather evidence such as offer letter and payslips to check if you qualify to claim compensation. These eligibility criteria might vary from one policy to another but there are two that are common. The person must be unable to work for sometime or unlikely to work in the usual position that he is qualified for by education, training and experience.
Once it is clear that you are eligible, the next step would be to gather medical records and financial documents that have to be submitted to the insurer. Once the claim is lodged, it will not take too long to process it. You might also be required to get examined by a medical expert that the insurer organizes.
Talk to a TPD lawyer about the claim process today.
Call 1300 892 691
No obligations. Free advice.
Do I need a TPD lawyer for my claim?
If you feel that the process mentioned above is easy and decide to proceed on your own then you should also know that there are many complexities. The first one is that the definition of TPD differs from one fund to another. You can have more than one fund in which case it is too complicated to proceed on your own. Especially because insurance companies and super funds have their legal team and try hard to make sure that they don’t have to pay you through loopholes that their complex policies might have. Hence, you need a TPD lawyer who can help you get through theses complexities and get the maximum compensation that you are entitled to.
As said earlier, insurers can ask you to be examined by a medical practitioner that the company decides. There might also be a case where you are asked to deal with multiple doctors of same or different speciality in the hope that one would prove you to not be eligible. This behaviour is not acceptable under certain circumstances and therefore you would need legal advice from a TPD lawyer on when not to accept such medical examinations.
Injuries can be both physical and psychological. If you are dealing with a psychological issue, then there have been instances in which the insurer’s defence is that the person was capable enough to do their claim process on their own and hence he cannot be covered by the TPD policy.
As you can see, total and permanent disability superannuation claims are tricky. Many people wish to do their TPD claim by themselves but sadly the percentage of them actually succeeding and receiving compensation is much less. So, opting to go with a TPD lawyer is the best choice. Here are also some resources on TPD claims you didn’t know you had
How much do TPD lawyers charge?
TPD lawyer’s fee may vary based on their experience, success rate and other factors. Generally, they charge you anywhere between 25% to 40% of your compensation. Some even charge you an advance to get started with the research and evidence gathering work. When you are injured and trying to get the justice you really wouldn’t want lawyers like that who only think of money. This is why Schreuders has a “no win no fee” lawyer’s policy. If our TPD Lawyer fails to win then you would not be charged anything.
Our TPD Lawyers take it upon themselves to get you justice. We have a unique estimation of monetary value for your TPD claim which includes, a lump sum payment, based on the level of insurance cover that you hold to cover your expenses, loss of income and an early release of your superannuation funds.
You can reach out to us through phone, we have a diverse team that will offer personalised service. Within our team,we have people who can speak Punjabi, Afrikaans, Hindi, Arabic and more. If we have no one who can speak your language then we find one. That is how much we are willing to go to provide you comfort in your time of distress. Our compensation lawyers will talk with you about your personal injury circumstances and provide you with free initial assessment over the phone. You might have to meet us at our Sydney office. However, if you are unable to meet us there, then we can meet at your home, workplace or hospital.
Apart from our personalised service one more differentiating factor for Schreuders is our faster process time. While the average time in the industry to settle a TPD claim is 24 months, we at Schreuders can turn a disability claim around within 3 to 6 months.
So, if you want a TPD Lawyer who can try & settle your claim as soon as possible then Schreuders with a claim processing time of 3 to 6 months is your best option. We have a wide range for compensation lawyers such as medical negligence lawyer, personal injury lawyer, car accident lawyer and more. We operate in all major cities of Australia such as Sydney, Melbourne, Brisbane, Canberra, Perth and Adelaide
- Seek medical advice and treatment as soon as possible.
- Maintain a diary with all events, receipts, documents, insurance and medical records.
- Get in touch with a personal injury lawyer to assist you with formulating a claim.
Frequently Asked Questions...
HOW LONG DOES THE PROCESS TAKE?
In many cases, we can turn a permanent disability claim around in as little as 3 to 6 months, compared to the industry average of 24.
WHEN SHOULD I SPEAK TO A LAWYER?
It’s a good idea to initiate a potential TPD superannuation claim promptly. Our experienced TPD lawyers have helped thousands of clients make claims successfully, and our team works quickly to establish the basis of your claim and gather any necessary evidence relevant to your personal situation.
HOW MUCH COMPENSATION WILL I GET?
Based on your personal situation, our law firm will provide an estimate of the monetary value of your claim for TPD compensation, which may include:
- a lump sum payment, based on the level of insurance cover you hold, to provide income protection and to cover expenses
- early release of the injured party’s superannuation funds.