If you have any questions about a potential TPD claim or the terms and conditions under your TPD policy give Garling & Co Lawyers a call for a free case assessment.
Can I only claim tpd benefits if I am injured at work?
No! there are a number of injuries and illnesses covered under the TPD policies.
You could have an injury in the course of your employment, while overseas, in a public area, while paying soccer on a Sunday, and all would be covered as an “injury” under a TPD policy
A number of illnesses are covered under TPD policies. For example, cancer, diabetes, stroke, heart disease and other types of terminal illness are covered by TPD policies. Most policies will cover you even if you have a pre-existing injury. However. You can check your policy to confirm your rights and entitlements.
When to claim?
Generally speaking, you should make a claim as soon as possible following your injury, illness or disease that renders you unable to work. Noting that super policies for TPD usually have a six-month waiting period.
How much can I get through TPD claim?
If you have numerous superfunds you may find your TPD benefit is less than $100,000 under each policy. However, in our experience, if you have a long-term superannuation policy, or your employer has a TPD policy, the range you may receive for your TPD claim is usually between $250,000 and in excess of $1,000.000.
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