Superannuation Lawyers in Newcastle
LET US HELP YOU
Injury or illness got you down and unable to work? You may be covered by your superannuation fund. Our Newcastle Lawyers can help you apply for a total and permanent disability claim (TPD), which will provide you with a lump sum amount to help you during these difficult times.
With offices in Hamilton, Belmont and East Maitland, Bale Boshev Lawyers has provided legal assistance for clients across Newcastle, the Central Coast and the Hunter Valley region. If your injury or illness was caused due to someone else’s negligence, our lawyers can also file a legal case for workers compensation, medical negligence and public liability.
TOTAL & PERMANENT DISABILITY INSURANCE
The TPD insurance benefit is a cover provided by your superannuation fund. Many people are unaware of this cover, which can provide you with a lump sum amount to cover your usual income, medical bills and more.
Your lawyer can assess your superannuation to check if you can apply for a TPD claim. To successfully qualify, you must demonstrate that you are permanently unfit for your usual employment and/or any other occupation which requires either specific education, training or experience. The TPD claim does not look at how your injury or illness came about. If you are no longer able to work due to an injury or illness, your TPD claim will likely be successful.
This can also extend to people whose qualifications are limited, which restricts the number of occupations they can do. So even if your doctor deems you fit enough to do an office job, but you are unable to gain the qualifications for the role, you could access a TPD benefit.
WHAT’S THE PROCESS OF APPLYING FOR TPD?
If your superannuation does cover for TPD, you will need to contact your provider and talk to them about your situation. Your lawyer can assist you during this process and help you gather all the required documentation to prove why you are unable to work. This can include a medical attendant’s statement, medical reports and any other documents on your illness or injury.
Your insurer will then review your application, and this process can take up to six months. The process may take longer if your injury or illness happened several years ago, your treatment is ongoing, or you have been able to return to work in some capacity.
If your application is successful, your insurer will determine the total amount payable. Unsuccessful applications mean your insurer believes that you have the capacity to return to some form of work. Your Newcastle lawyer can review the decision and determine whether an appeal is possible. At Bale Boshev Lawyers, we can provide you with a free case assessment and consultation to discuss the best options for you.
We understand the financial and emotional stress that comes with dealing with an injury or disability. Our lawyers will provide you with thorough and compassionate legal advice surrounding your TPD claim. Talk to us about your situation, and we will do the best we can to ensure you receive your compensation.
Give Bale Boshev Lawyers a call today to discuss your case.
FAQ
You can lodge a superannuation claim as soon as you stop work due to an illness, injury or disability. You will need to supply medical reports, tax records and any other relevant documents to support your claim. Your lawyer will be able to assist in obtaining all the required documents.
Yes. If you feel the decision was unfair, you have 28 days to submit a complaint with the Superannuation Complaints Tribunal or the court. You should always seek legal help to ensure your appeal is well prepared.
A total and permanent disability claim (TPD) is an insurance benefit provided through your superannuation. This claim provides a lump sum payment to you if you have suffered an injury or illness that prevents you from working.
Yes. If you are a member of more than one superannuation fund you can claim multiple TPDs.
Your superannuation fund may reject your TPD if they have reason to believe that you still have the capacity to work. If you disagree with their decision, your lawyer can assist you in filing an appeal.