Situations where you may have superannuation, insurance or disability claim include:
Total and Permanent Disability or “TPD”: coverage comes as standard in most superannuation funds. Other policies such as life insurance may also include TPD insurance. TPD provides financial benefits to those who are no longer able to work in their usual occupation due to mental or physical disability or ill health.To qualify for TPD benefits, you will need to show that because of your illness you are unable to continue working in your usual job and you cannot do any other occupation that fits your experience, skills, training or education (depending on the wording of your policy).
It’s not necessary for you to prove that someone else was at fault. When claiming for total and permanent disablement or life coverage you do not need to prove that the injury or illness was caused by someone else or that it is work-related;
Income Protection cover or Temporary Total Disability (“TTD”): if you have temporarily become unable to work due to disability or illness, you may have a claim. Similar to TPD cover, income protection benefits provide financial support to those unable to work, in the form of either lump sum or ongoing payments. To qualify for income protection benefits, you will need to provide evidence of your illness or disability, that you can’t do your job, that you are under the care of a doctor and you’re currently unable to work (depending on the wording of your policy);
Trauma: if you have been diagnosed with a defined medical condition or suffer a specific ailment, you may be eligible to receive a lump sum payment, regardless of whether you can continue to work or not;
Death: A lump sum will be paid to the nominated person (usually a spouse or child), upon a person’s death.
The criteria for claiming benefits differ from policy to policy so it is important that you get legal advice as soon as possible.