TPD stands for ‘Total and Permanent Disability’. TPD insurance provides a one-off payment in the event that you suffer injury or illness and are no longer able to work.

Many people may not be aware that these benefits are commonly available in addition to any workers or similar compensation you may have received for your injury or illness.

TPD insurance cover may be available through your superannuation fund and many people are already covered as part of their employment arrangements. To find out if you are covered you will need to look at your current Superannuation Statement. If you are covered for a TPD payment, it is usually located near the Death Benefit noted on your Superannuation Statement and the total amount that you are insured for.

As anyone who has made a TPD claim will know, it can be a long and complicated process as insurance companies require the completion of many forms to process your claim. If your claim is prepared and lodged by a Solicitor you may be at an advantage as your Solicitor will have ensured that all of the necessary documentation is submitted with your claim and that the forms are completed exactly as required by your Superannuation Fund. This saves you time and ensures the decision is not delayed.

How much you will receive from the claim will depend upon your level of insurance and the policy which governs your insurance.

To discuss your potential entitlements, please telephone Brazel Moore Lawyers on (02) 4324 7699 . Please note that subject to your eligibility to make a TPD claim, we may be prepared to assist you with your claim on a “no win, no fee” basis.