FAQ
Answers To Your TPD & Income Protection Questions
What is a total and permanent disability (TPD) or income protection superannuation claim, and am I eligible to make one?
A TPD superannuation claim or income protection superannuation claim is a type of insurance benefit often provided by your super fund, designed to provide financial support if you become permanently (TPD) or partially (income protection) unable to work due to injury or illness. Eligibility depends on your super fund’s policy, your medical condition, and whether you meet the definition of “total and permanent disability” as outlined in the insurance policy. At Open Door Legal, our Queensland-based team, with decades of experience in superannuation claims, will review your policy and medical history to determine eligibility and guide you through the process with clarity and compassion.
How long does it take to process a TPD, or income protection claim, and can it be expedited?
The duration of a TPD or income protection claim varies depending on the complexity of the case, the super fund’s requirements, and the quality and quantity of supporting evidence. Typically, claims can take anywhere from 3-12 months from lodgement of the claim. At Open Door Legal, we prioritise efficiency and leveraging our extensive experience to streamline the process. Our Queensland based team works diligently to gather necessary documentation, liaise with insurers, and minimise delays, ensuring your claim progresses as quickly as possible without compromising on thoroughness.
What evidence is required to support a successful TPD, or income protection claim?
A successful TPD or income protection claim requires comprehensive evidence, including medical reports, specialist assessments, employment records, ATO records, Centrelink records, Medicare records, Work Cover or Motor Vehicle accident records (if applicable) and details of your superannuation policy. Insurers often require proof that you meet their specific TPD definition, which may involve demonstrating an inability to perform your usual occupation or any occupation suited to your education, training and skills. Open Door Legal’ s experienced team assists clients in compiling robust evidence, coordinating with medical professionals and third parties to build a strong case, all while handling the process with compassion to reduce your stress.
What happens if my TPD or income protection claim is denied by the insurer?
If your TPD or income protection claim is denied, you have options to challenge the decision, such as requesting a review, lodging a complaint with the insurer, or escalating the matter to the Australian Financial Complaints Authority (AFCA). At Open Door Legal, our skilled advocates are well-versed in handling claim denials. With decades of experience, we meticulously review the denial reasons, gather additional evidence if needed, and fight vigorously to overturn unfair decisions, ensuring your rights are protected with empathy and determination.
However, there are some instances where a legitimate denial may occur, for example, the client has failed to disclose key information prior to lodgement, in which case we will advise you of the options.
How much does it cost to hire a lawyer for a TPD or income protection superannuation claim?
At Open Door Legal, we understand that financial concerns can be a significant burden during a TPD, or income protection claim. Many TPD and income protection claims are handled on a “no win, no fee” basis, meaning you only pay legal fees if your claim is successful. Once your insurance entitlements are confirmed we will discuss the fee structure in depth with you prior to proceeding any further.