From heartache to hope: Ron’s fight for his TPD benefits

Like many Australians, Ron was a hardworking family man who enjoyed spending time with his loved ones. Living in Western Australia, Ron spent his working life as a health and safety advisor and often engaged in fly-in and fly-out work. The demanding requirements of the job put a lot of stress on him, which he believed contributed significantly to his health issues. Ron took pride in providing for his loved ones and was always the first to step up and lead.

However, his life took a drastic turn one night when he felt a sharp pain in his chest.

In the early hours of the morning, Ron turned to his wife and said, "We have to go to the hospital. I'm having a heart attack." This heart attack, caused by clogged arteries, marked the beginning of a challenging journey for Ron and his family. Despite his heart surgeon's initial optimism that he would recover in a few months, Ron's condition deteriorated, and their savings began to dwindle rapidly.

A continuous struggle with declining health and denial of a Total Permanent Disability (TPD) claim

Ron, always a leader and provider, found himself unable to perform even simple tasks.

"I was always the first person to take the first steps through the door, and now I couldn’t open a cupboard door,".

As their financial situation worsened, Ron decided to file a Total Permanent Disability (TPD) claim to secure some financial relief.

However, the insurer rejected Ron's TPD claim, arguing that he did not meet the TPD definition. Ron, who suffered from ischemic heart disease, depression, anxiety, and chronic pain, felt devastated and helpless as his health declined and his TPD claim was rejected. The insurer cited their internal medical officer's opinion and a comment from Ron's GP suggesting he might return to work after further treatment. This rejection added to Ron's stress and frustration.

What is Total Permanent Disability (TPD)?

Total Permanent Disability (TPD) insurance provides a one-time lump sum payment if you are permanently unable to work due to a severe illness or injury. This insurance offers financial support to help cover medical expenses, living costs, debt repayments, and lifestyle adjustments, ensuring you and your family are protected.

Navigating the complexities of TPD claims

Determined to get what he was entitled to, Ron sought help from Maurice Blackburn. Jack, a lawyer at the firm, met Ron at a particularly low point. The drawn-out process with the insurance company had taken a toll on Ron physically and mentally. Jack could see Ron's frustration and stress, and was committed to helping him navigate the complex claims process.

Maurice Blackburn stepped in to ensure the insurer followed the correct procedures and held them accountable when they didn't. The journey was long and fraught with challenges, but Jack and the team at Maurice Blackburn were dedicated to securing the benefits Ron deserved.

Ron felt a mix of emotions throughout his journey. He was annoyed at his superannuation fund, feeling wronged after years of hard work and contributions. The stress of having his claim initially rejected had only piled onto the stress he was already under. There was a period between when he stopped working and when his claim was accepted, making it difficult to get by.

How Maurice Blackburn assisted Ron's journey to justice and financial security

Finally, after much perseverance, Jack called Ron with the exciting news that they had won the TPD claim. Ron was overjoyed and sat down with his wife, tears streaming down his face after hearing that his settlement had been made. The insured sum of $856,800 was a significant relief for Ron and his family.

Ron emphasised the importance of seeking legal advice early. Maurice Blackburn's support was crucial in cutting through the insurance company's red tape and ensuring they followed appropriate processes. Ron felt understood and supported by Jack and the team, which gave him the confidence to trust their advice.

Jack and Maurice Blackburn were committed to getting Ron the benefits as quickly as possible. Jack was eager to give Ron the call with the good news, knowing how much it meant to him and his family. Ron's story is a testament to the importance of perseverance and the value of having a dedicated legal team on your side.

In the end, Ron received the financial support he was entitled to and the justice he deserved. His journey highlights the challenges many Australians face when dealing with insurance claims and the critical role that legal support can play in navigating these challenges. Maurice Blackburn's commitment to their clients’ well-being and expertise in handling TPD claims made all the difference for Ron and his family.

We’re here to help

As experienced lawyers in superannuation insurance claims, we are here to help. Our role is to be your ally and support you in navigating these challenges so you can focus on well-being and treatment instead of bureaucratic delays.