TTD and TPD claims allow you to access financial assistance in the event of injury or illness and typically doesn’t affect your eventual take-home superannuation benefit.
Injury or illness can prevent you from working and can often result in financial concerns. Thankfully, in these circumstances another avenue may be open to you – many Superannuation Policies contain monetary benefits; in the event you are unable to work, due to any injury or illness, not just one which occurred in the workplace.
Typically the benefits from injury superannuation claims are additional to your existing super, so you won’t impact your eventual take-home amount.
The benefit amounts can be substantial; ranging from a few thousand, to hundreds of thousands of dollars, depending on your circumstances. This can help ease the financial burden if you develop a medical condition or suffer an injury that affects your capacity to work.
If you are considering making a claim, it will put you at ease that we run every case at Gouldson Legal under our No Win, No Fee Guarantee. This way we can focus on getting you your best result, while you focus on recovering – without any added financial stress.
Typically, the types of superannuation claims that can be made are; total and temporary disability (TTD), total and permanent disability (TPD), trauma insurance, income protection insurance and death benefits.
Total Permanent Disability (TPD):
TPD covers a range of accidents, injuries and illnesses, and does not have to be a direct result of something that happened at work. If you have experienced a car accident, a workplace accident, a public place accident or a medical condition such as cancer, heart attack or mental illness, you make be eligible to claim through TPD Insurance.
Total Temporary Disability (TTD):
Total and temporary disability means that, as a direct result of injury or illness, you’re continuously and completely unable to perform all of the major duties of your usual occupation.
Where a “major duty” is considered to be any income producing duty of your regular occupation that involves at least 20% of your overall occupational tasks. To qualify for a TTD superannuation claim, you must not be undertaking any occupation for which you would normally expect to receive remuneration or profit.
TTD and TPD Claim Process in Queensland
In Queensland, if you sustain an injury, or suffer from an illness, whether it be temporary or permanent – and it affects your ability to work, perform household duties or general daily tasks – you may have access to insurance under your superannuation policy.
It is important to note that accessing this insurance does not affect your final take-home super, as it is an additional and separate coverage that some policies have based upon premiums that have been deducted from your superannuation contributions.
If you have found yourself in this situation, you should obtain a copy of any superannuation annual statements that you’ve been sent, or policy documents that you hold to check if you have any:
- Total Permanent Disablement (TPD) cover;
- Total Temporary Disablement (TTD) cover; or
- Income Protection.
TTD and TPD Claims vary in that the levels of cover will be different for everyone, and you may even find that you are covered under multiple superannuation policies. Our superannuation lawyers are able to assist in obtaining these policies to determine if you have any level of cover and help get the process started early, and resolved as quickly as possible to ease the financial burden.
How Superannuation, TTD and TPD Compensation Gets Calculated in QLD
Unfortunately, no two policies are the same. Because of this, the amount of cover you are entitled to will depend on your superannuation policy, and the severity and permanency of impact that your injury or illness has, and will continue to have, on your life.
Although applying for TTP or TPD should be a straight forward process, it is not. It is not uncommon for people to come across major difficulties during the application process due to fine print in policy documents, unfamiliarity with the law, and the superannuation company and its insurers dogmatic approach to refusing claims.
Our experienced TPD lawyers will ensure that the application process is as stress-free as possible for you whilst ensuring that you obtain the full compensation that you are entitled to.
Mobile TTD and TPD Claim Lawyers
Need a Free Case Review? We come to you, no matter where you are in Queensland.
We understand that you are likely in ongoing pain and struggling with the daily challenges of life post-accident. To ensure the entire legal process is as stress-free as possible, our lawyers will always happily come to you – either at the hospital, your home or a local café – wherever is easiest for you.
If you prefer to meet in one of our offices, you are always welcome at our head office in Brisbane CBD, or you and your lawyer can arrange an appointment at one of our many visited offices.
Give us a call now to set up your free case review.
Without a superannuation claim lawyer reviewing your paperwork, it is hard to identify exactly what type of claim you may be eligible for. The type of claim that can be made will depend on the terms of your policy and the nature of your injury or illness.
Typically, the types of claims that can be made are; total and temporary disability (TTD), total and permanent disability (TPD), trauma insurance, income protection insurance and death benefits.
Some superannuation insurance providers may offer trauma insurance as an additional coverage type. You may be eligible to a lump sum payment in circumstances where you have been diagnosed as suffering a specific injury, such as physical or psychological injury, or medical conditions, such as heart attack or stroke.
A trauma insurance claim may result in the payment of a lump sum benefit when you need it most; as most injuries/illness covered by this insurance will be suffered suddenly and without warning, causing you immediate and unexpected financial hardship.
In circumstances where you are required to take extended leave from work as a result of injury or illness this period will usually be unpaid. However, should you be eligible to receive an income protection benefit, you may be entitled to receive a regular payment equal, or close to, the amount of your usual wage.
In most circumstances, this benefit will be paid for a period of up to two years.
Losing a loved one is a difficult time, made harder by the financial pressure caused by their absence, or substantial funeral and estate management costs.
If you have lost a loved one, you may have entitlements in case of death. Your loved ones superannuation benefit may be paid to you, and other dependants, in the form of a lump sum.
Depending on the circumstances, you may also be entitled to claim further financial support through a Death Dependency Claim. This is something our lawyers can talk through with you, and in the vent that you are able to claim, they can take care of this process so that you can grieve your loss. Find out more about Death Dependency Claims.
Gouldson Legal operates on a No Win No Fee basis; you are also entitled to a no-obligation consultation. A qualified Gouldson Lawyer will meet with you, answer your questions and discuss the merits of you case, for no charge! If you proceed with your claim, you will only be charged if you successfully receive compensation. Our professional fees are charged at a competitive rate, not a percentage of your damages.
Those fees are capped at 30% of your final compensation payout, ensuring you won’t be left wanting. If you would like to get this process started, you can do that here.
Yes. You should be aware that different superannuation insurance policies may include strict time limits within which you must make a claim for a superannuation benefit. Furthermore, strict time limits apply to contract law disputes in Queensland.
It is important to also be aware that strict time limits also apply to the period within which you may your superannuation fund’s decision to reject a claim reviewed by an impartial third party. For decisions made after 1 July 2013, a complaint must usually be made to the Superannuation Complaints Tribunal within 4 years of the fund’s trustee making a decision about your claim. However, depending on your circumstances and when you took/take action regarding your claim, this time limit may change. Gouldson Legal may provide further information about time limits within which you may have your superannuation fund’s decision reviewed.
Alternatively, if you believe there has been a breach of your superannuation insurance contract, you will have 6 years from the date that the breach occurs, to commence a claim. To ensure your claim is not held up by complications, contact Gouldson Legal, as soon as possible.
Where Do I Begin?
Get together all of the necessary paperwork from your superannuation fund/s including your annual statements.
Seek medical treatment early and regularly.
Contact Gouldson Legal and speak to one of our specialist superannuation claim lawyers and they will answer any further questions you may have.