CLAIMS ASSISTANCE FOR LIFE, DISABILITY (TPD), IP AND TRAUMA
Total and Permanent Disability (TPD) Insurance: Understanding Your Coverage
If you find yourself unable to work due to a serious injury or illness, you may be entitled to claim a Total and Permanent Disability (TPD) benefit through your superannuation.
At Gold Coast Financial Advisers, we specialize in relieving the burden associated with TPD claims. As dedicated claim advocates, we handle the entire process on your behalf, ensuring a smooth experience from start to finish. Our track record of success speaks to our commitment to achieving the best outcomes for our clients.
What is TPD Insurance?
TPD insurance is designed to provide financial protection in the form of a lump sum payment if you are diagnosed with an illness or sustain an injury that renders you permanently unable to work in your usual occupation or any role for which you are suitably trained or educated.
These policies typically cover significant medical conditions or injuries that can have a lasting impact on your ability to live and work as you previously did.
How Does TPD Insurance Work?
In order to qualify for a TPD benefit, you must provide sufficient evidence demonstrating that you are permanently unable to perform your usual job or any other work that aligns with your skills and qualifications.
If your claim is approved, the TPD insurance benefit will be paid as a lump sum. The amount you receive will depend on a detailed assessment of your specific circumstances, including the severity of your condition and other relevant factors.
Eligibility for a TPD Insurance Claim
Several key factors will be considered when determining your eligibility for a TPD claim, particularly whether your insurance is provided under your superannuation. Additional considerations may include:
- Whether you are under the care of a qualified healthcare professional who supports your claim.
- The type and frequency of medical treatments prescribed by your healthcare provider.
- Whether your diagnosed condition, including any mental health conditions, is deemed permanent.
- The possibility of you continuing to perform your duties, either in your current role with reasonable accommodations or in a different role with another employer.
How Can Gold Coast Financial Advisers Assist with Your TPD Claim?
With extensive experience in claims management, our team will work closely with you to streamline the entire process, starting with lodging your claim with the insurer and continuing through each stage until resolution. Unlike many legal services, we believe in transparent and fair pricing. We offer a pre agreed fee for our services, which is only payable once your claim has been successfully accepted. There are no hidden costs or additional fees for consultations, phone calls, or correspondence.
Our success rate with clients’ claims is exemplary, and we are dedicated to helping you navigate this complex process with ease.
If you would like advice or assistance with your claim, our friendly and experienced team is here to help. Contact us today for a free consultation, and let us guide you through the next steps in securing your TPD insurance benefit.