Total and Permanent Disability Claims

If you are unable to work due to physical injury or psychological injury you may have a viable claim lump sum compensation and other benefits through your superannuation fund policy or insurance policy.

Your injury does not need to be work related to access your benefits.

Frequently Asked Questions

What type of benefits can I receive?

There are a variety of benefits that you can receive as a result of any superannuation or insurance policy.  For example, lump sum compensation for total and permanent disability, trauma payment, loss of income protection insurance and possibly other benefits.

It is important to seek expert advice in respect to each policy that is held as interpreting policies and determining the extent of any entitlements is often not a straightforward process.

What if my injuries are not work related?

Generally, any claims for injury against a superannuation or insurance policy are available to be claimed irrespective of whether they happened during your employment, self-employment or in a non-occupational context.

Is there any appeal process if my claim has been rejected?

Yes, you are able to apply for a review of the insurer’s decision.  However, time limits apply to review applications, so it is important to seek expert legal advice to ensure that all appropriate steps are taken to comply with any time limits to ensure your entitlements are protected.

You can also appeal an adverse review outcome. Again, time limits apply to such matters and it is best to not delay in seeking expert advice to ensure your entitlements are protected.

How much will it cost in legal fees?

We provide a free initial case assessment and we act on a “no win, no fee” basis.  This means that you are not responsible for any costs (apart from your personal travel expenses) during the period over which your claim is pursued by our firm.