Total & Permanent Disability Claims
Whilst many of us envisage working in our occupations until retirement, the sad reality for many is that an injury or illness, or a combination of both will prevent them from working, or impact their ability to work.
The majority of Australians now have TPD coverage automatically within their superannuation accounts, and some even hold private policies. A lot of people don’t even know that they have this insurance.
TPD insurance is different to the injury claims as a TPD claim does not require you to prove negligence, or fault, you need to demonstrate that you meet the definition within the contract of insurance.
As with all insurance, no two policies are the same. Each policy is defined individually and requires careful consideration to ascertain if you meet the definition to access the benefits.