A TPD, also known as Total and Permanent Disability insurance, is a type of cover that helps those who have lost their capacity to work. The disability may have come on suddenly or be due to the result of an accident but either way, it’s a good idea to know what you are entitled to.
When you lose your ability to carry out the mundane tasks and effectively do your occupation, things can get very hard. It’s reassuring to know that there are insurance policies in place, such as TPD, that help those in need and give them financial assistance.
If you are struggling with the process and need further guidance, you can mention TPD insurance claims with Super Claims. Their experienced team will help assess your needs and talk you through the process, so you can start making your claim today.
First and foremost, lets discuss what a TPD claim is exactly.
TPD Claims Explained
When someone is no longer able to work in their current occupation because of mental or physical disabilities or even illness, a TPD comes in handy. It helps those who have undergone serious injuries and as a result have life-long ailments that effect their day to day life. Personal care and other things that comprise of living a daily life become therefore very difficult if not impossible.
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Are you eligible to claim for TPD Insurance?
You may well be eligible for the financial benefits of this type of insurance if you have undergone severe trauma and illness. To be considered as a suitable claimant, you need to have proof that your sickness and injury has stopped you from working.
Moreover, due to the disability and severity of it, you can no longer support yourself and as a result would have to stop work.
Does the injury need to be work related?
Thankfully, it doesn’t. Anyone can claim for TPD and it does not have to be brought about by your current workplace or employer. For instance, cancer patients or even those with mental health conditions can have benefits and will be eligible. As long as you can show having the disability has negatively impacted on your income then you are able to make a claim.
What happens if you are successful?
If everything goes according to plan and you are eligible, you can then start receiving your benefits. You will be paid either all in one go or choose to have steady monthly payments. How much you will be paid will depend on your insurance and type of cover which you can often locate in your policy’s small print.
What do you require for evidence?
To have a successful claim, you will need medical documents to verify your illness and your need for the insurance. You will also need to consider other elements such as your training and education amongst other things. Once you find your insurer, look deeper into what you will need to provide to substantiate the claim.
Doing the above will get you one step further to successfully processing your claim. The sooner you do so, the quicker you can start receiving your financial benefits to help make life easier.
