Total and Permanent Disability Claim
In many cases, when you've been injured in an accident, work related or otherwise, your goal is to get well soon and hurry back to work as quickly as possible. This way, you can get back to the daily routine you're comfortable with, and start making money again as well. Unfortunately, this isn't always possible.
Certain injuries are so severe that going back to work isn't an option. In other words, they lead to what's called total and permanent disability (TPD). Being permanently disabled can be a devastating reality to grapple with, but the good news is you might survive the ordeal financially. If you have the right coverage - and a good lawyer to help you with the claims process - everything will probably be OK.
What constitutes total and permanent disability?
Do you think you might have a viable case for claiming TPD? It helps to make sure, and that means taking a moment to clarify what the term means. According to the Australian Securities and Investments Commission, "totally and permanently disabled" might have one of two different meanings. It might mean you're merely unable to work again in your current occupation; alternatively, it could be that you're unable to perform any job at all.
Every insurance provider is different, and the specifics of your case might depend on your policy. This is why it helps to have a good lawyer who can figure these details out.
Making sure you're eligible for a claim
Making a TPD claim is very serious business, and it's not something you want to get into unless you're very confident that you're in the right. That's why Finder.com.au recommends that any Australian considering a claim make sure they're eligible before filing.
The news source also points out another key logistical detail - different policies have different ways of doling out compensation. Some work through superannuation funds, whereas others use a standalone policy. What are the specifics of your case?
What you get from Marshall and Gibson
The process of filing for TPD can be messy and complicated, but it certainly clears up when you can get a consultation from an experienced lawyer. Fortunately, Marshall and Gibson Compensation Lawyers offer those consultations absolutely free.