The TPD claim process – Making a successful TPD insurance claim
The TPD claim process in Australia has four main steps:
Successfully making a TPD claim from your superannuation policy involves careful review of your super insurance policy and gathering medical evidence that shows you meet the policy definitions.
Let’s face it, understanding insurance policies and legal jargon can be extremely overwhelming. For most Aussies, this means avoiding looking into what they are eligible for in their insurance policies. When injury or worse occurs however, these details can be extremely vital to know. Luckily, we are here to help you out! In this blog post, we will delve into the four essential steps that Super Claims Assist employs to ensure a successful TPD insurance claim.
Finding and claiming the TPD insurance from your superannuation policy can give you much needed financial relief while you are off work
Step 1: Confirmation of Insurance and Work History
Confirmation of Insurance
The first and one of the most pivotal steps in the TPD insurance claims process involves confirming your insurance coverage. Super Claims Assist recognises the critical significance of outlining the impact of your illness or injury on your ability to undertake your job responsibilities.
Our team requests a copy of your superannuation policy from your super fund. We then review all documents, deeds and clauses to understand what you are eligible for and what specific requirements your policy involves. Each super account policy has slightly different eligibility criteria.
Work History Review
Our panel of expert TPD lawyers dedicates themselves to establishing a comprehensive understanding of your work history. This involves not only reviewing the duration of your employment but also examining the specific tasks and responsibilities associated with your role, and why these are now impacted by your disability. By approaching this step with a meticulous attention to detail, we aim to build a robust foundation for your claim.
Step 2: Medical Documentation and Waiting Period Reviews
Medical Specialist Documentation
Proper detailed medical documentation is critical to a successful claim. Super Claims Assist takes pride in its panel of specialists from around Australia (who are also able to service rural areas). This highly knowledgeable team plays a pivotal role in the second step of the process, where the focus is on gathering and assessing medical documentation. The objective is to ensure you have the required evidence for your legitimate and ongoing health issues, providing a crystal-clear picture of the profound impact your condition has on your ability to engage in your job. These specialists have written hundreds of reports for our successful claimants!
Our experts also then your insurance policy to understand the waiting period required before a TPD claim can be initiated. This alignment of your medical condition with the stipulated waiting period serves to provide us a view on how successful your claim will be. Remember, all claims are made with a No Win – No Fee guarantee.
Review of Waiting Periods
Insurance policies have varying rules on how long you have to be off work in order to claim. We know exactly how to find your policy’s requirements. It is important to start the process as soon as possible. You may already be eligible to claim your insurance money and just not know it! By adhering to these specified waiting periods, we ensure thoroughness and compliance with insurance regulations.
Step 3: TPD Claim is Lodged
With all the necessary paperwork organised, we then lodge your TPD insurance claim. This stage marks a significant milestone in the process of obtaining the financial support you deserve.
Following the submission of your claim, we enter a period of waiting for a result, during which we keep you well-informed and supported. We understand the anxiety which follows this step, so we aim to make this period as stress-free as possible for you. Our commitment to transparent communication remains unwavering throughout this phase.
Step 4: TPD Payout Received / Rejection Appeal
The final stage of the TPD claims process is either a payout or, in the unfortunate event of a rejection, the initiation of the appeals process (which we can also handle on your behalf).
In the case of a rejection, our commitment to your case remains steadfast. We will remain by your side, ready to guide you through the next steps of the appeals process after a TPD claim rejection. Leveraging our expertise and experience, we address any concerns raised by the insurer, ensuring a comprehensive and compelling case for your appeal.
Looking to start your claims process?
Where does the money come from?
- While you were working, your employer made contributions into your superfund.
- Your superfund took part of the money from your account each month to pay for an insurance policy against financial hardship.
- You are eligible to claim that insurance policy now that you’ve been forced to stop working because of illness or injury.
- Most Australians struggle to get their insurance claim approved without help. Insurance companies have procedures and paperwork that can be difficult to navigate.
- When you are approved, you get a lump sum payment. For a rejected claim, you get nothing.
- If you are rejected, you can reapply! Before reapplying, it’s worth getting the help you need to be successful.
How long does the TPD claims process take?
Poorly prepared claims can take over a year just to get rejected. Having the right experts help can make a dramatic difference in how fast your claim is resolved. Contact our team for a free entitlement check.
I have more questions about how to claim super TPD insurance
Our team has put together a list of the most common questions and answers around claiming TPD insurance.
Can you help me with the TPD claims process?
If you have been forced to stop working due to injury or illness, you may have an entitlement to claim. Even if you had super insurance from 10, 15 or even 20 years ago we can work with you to track it down. Let’s talk through your entitlements, the TPD claims process and find out what you are eligible for!