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Superannuation, Income Protection and TPD Claims
Have you been hurt or injured and cannot work? Do you have an illness or a medical condition that has taken away your ability to work? If yes, you may be able to bring an insurance claim. Many people have insurance policies included in their superannuation funds. These policies can include cover for Total Permanent Disability claims (or TPD Claims).They may also provide for salary continuance or income protection should you have to stop work due to injury or illness. Others may hold private insurances outside their superannuation account.
In many superannuation accounts, premiums are deducted for insurance policies. These insurance policies are for insurance benefits on top of the money your employer has been contributing into your account. A common insurance benefit is a “Total and Permanent Disablement” policy (or TPD) policy. This is the policy you claim against when you make a TPD claim.
TPD claims are designed to provide a lump sum payment if you are unable to return to work or can no longer work in a role that you are trained, skilled or experienced in. If you can establish that you meet the definitions of TPD under the terms of your policy, then you should be eligible to get a payout. No you should not
THE TPD CLAIMS PROCESS
- Locate all the superannuation accounts you had at the time you stopped working, along with any new ones
- Contact the superannuation fund to find out if you had insurance policies in place at the time you stopped working
- Analyse the policy terms to determine if you are eligible
- Lodge a claim and gather evidence or reports to verify that you meet the eligibility test in the policy
TPD Claims Frequently Asked Questions
What if there is no one to blame for my injury or illness?
It does not matter how you were injured or why you are ill when it comes to accessing your super fund income protection. You do not need to show negligence or fault. Therefore, whether your injury is the result of a car crash, a work injury or a recently diagnosed medical condition, it does not matter for the purposes of these claims. What matters is whether you are unable to work in a role that you are trained, experienced or qualified in.
What is a salary continuance or income protection claim?
These policies are designed to provide you with a replacement income if you cannot work.
Often, the replacement income is a percentage of your actual income (e.g. 75% of the income you had before you stopped working). They also usually have a waiting period.
The policy will indicate how long the total benefits last for. Some might be a two year benefit. Others might give you benefits to a set age (e.g. until age 65).
How can I find out where my superannuation is?
We can assist you. You can also contact the Australian Tax Office to find out where your superannuation accounts are located. You can also log onto my.gov.au and link the ATO to your account.
I have tried lodging the claim myself but it was rejected.
No. You should get advice about challenging the decision to reject the claim.
There are options available to you to challenge decisions of superannuation funds or their insurers. This can include starting an internal dispute resolution process with the fund or the insurer. Or it can include going through a court process. It is important to act quickly and we recommend you get prompt advice to protect your rights.
If I have multiple superannuation policies with their own insurance policies, can I claim against all of them?
Yes. You can claim against multiple TPD insurances and recover a payout from each of them.
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