Superannuation And Insurance Claims
We Offer "No Win, No Fee"
If you’ve had an injury or an illness and are unable to work, you may be entitled to claim early access to your superannuation funds or claim on your insurance.
Superannuation Claims
Your superannuation can be claimed before you retire under special circumstances, i.e. when you are unable to work due to an injury or illness. Purcell Taylor can assist you to determine what you are entitled to. Your illness or injury does not have to be work related for you to be entitled to early access, it may be due to cancer or disease.
Insurance Claims
If you’re unable to work due to an illness, injury or disability, you may be able to claim a weekly or lump sum payment from your superannuation fund or insurance policy.
We have a team of experienced solicitors who can assess your claim and assist you through the process. If your claim is initially denied by your superannuation fund, we can assist you with a complaint to the Superannuation Complaints Tribunal and any further action which may be appropriate. Some superannuation policies allow you to make a claim for total and permanent disability even if you can still work, as long as you can show that you can no longer do your usual job or a job which is within your range of expertise.
We can also help if you have a general insurance dispute, such as house or travel insurance.
We offer NO WIN NO FEE on the above services.
Superannuation Complaints Tribunal
sct.gov.au
FAQ
What Is TPD
TPD or Total Permanent Disablement is a term used in superannuation polices for insurance which may be available to you if you have suffered an injury or illness. To make a claim, you have to show you are either totally and permanently disabled to do your job or jobs that you were trained to do, or in some instances, you have to show that you cannot work. We can assist you through this process and coordinate medical evidence to support your claim.
Do I Have TPD Insurance
Most superannuation policies include an insurance component for TPD claims. This means, that if you have any existing superannuation policies, you may have been paying for insurance to cover you if you are unable to work or unable to do your usual job. Our team of experienced solicitors can review all of your superannuation policies and provide you with an advice about what you are eligible to claim if you have suffered an injury or illness.
Do I Have Income Protection Insurance
Some superannuation policies will also include income protection insurance. This is insurance which will allow you to claim most of your weekly income if you are unable to work due to an injury or illness. Some life insurance policies also include income protection insurance.
Our team of experienced solicitors are able to review your superannuation or life insurance policies to assess whether you are eligible to make a claim.
Do I Have To Have A Work Injury To Make Claim?
You do not need to have a work injury to make an income protection claim or a TPD claim. You just need to meet the terms of your insurance policies, which may be that you can either no longer do your job or the job you are trained to do, or that you are unable to work.
An injury at work may lead to a successful TPD or income protection claim, but you may also be able to claim if you suffer an illness such as cancer or other disease or have been involved in a motor vehicle accident or an accident in a public place or any other accident.