What you need to know about disability benefit claims
Total and permanent disability claims (TPD)
You’re eligible for a TPD lump sum payment if you can show you’re unable to do your normal job or any other work related to your training and experience. This doesn’t mean you’re unfit for all work—it means you're unable to do the work fitting your area of skills and expertise.
For example, if having a bad back stops you from working in your normal construction job, you can usually make a TPD claim—even if your doctor says you’re fit for another kind of employment, such as office work.
Total and temporary disability claims (TTD)
If you’re unable to do your normal job for a while, whether for two months or two years, you may qualify for TTD monthly payments.
TTD payments are usually up to 75% of your normal income, and are payable for two years, or up to the age of 65. However, a waiting period of 30 to 90 days applies before you can start receiving these payments.
TTD payments may be offset against any workers' compensation, motor-vehicle related or Centrelink payments you receive, and may stop if your employment is terminated or if you receive a TPD lump sum. Each person's situation is different.
What disability benefits am I entitled to?
You may be entitled to a TPD lump sum benefit or to other insurance benefits through your superannuation.
If an injury or illness is preventing you from working, you may also be able to make additional claims through income protection or other forms of insurance. You may have access to additional insurance through:
- your employer
- your enterprise bargaining agreement
- your employment contract
- your insurance purchased through a financial institution or a financial advisor.
Exclusion or eligibility clauses, detailed in an insurance policy's small print, can affect your right to make a claim, and insurance companies often use this small print to deny claims.
If this describes your situation, contact us today—we can help.
Why Maurice Blackburn?
Maurice Blackburn's superannuation and insurance claims lawyers are the experts. We can help you to gain early access to your funds when you need them the most. We understand the importance of having someone in your corner when you're taking on a well-resourced insurance company.
At Maurice Blackburn we understand the impact that an unexpected illness, injury or disability can have on every aspect of your life. Our team can help you with the complicated process of making a claim at the time you need it most—when everything has changed and you are worried about the future.
We offer 'no win, no fee'* arrangements for these types of cases, which means that you don’t have to pay for our legal services if we don't win. We have superannuation and insurance claims lawyers in Melbourne, Sydney, Brisbane, Perth, Adelaide, Darwin and throughout Australia.
Contact us today to receive a free superannuation and insurance check and to find out how we can help.
All you need to know about superannuation insurance
Most superannuation policies have insurance elements which are there to protect you if you can't work for any medical reason. We’ll explain who can make a claim and how the legal process works.
Frequently Asked Questions
No. A heart attack, cancer, mental illness, MS, chronic fatigue syndrome, other chronic illnesses, injuries at home, on a sporting field, in a public place or in a car accident can all be reasons for your claim.
It usually doesn't matter if you had the injury or sickness before you joined the super fund.
Yes, you can have multiple TPD claims, and a TPD claim as well as a TTD claim if you have more than one super fund.
It’s best to claim as soon as you can, but you also can claim a long time after the injury or sickness has occurred.