If you are injured and unable to work at all or you are only able to work in a reduced capacity, then Mazzeo Lawyers can help you make Total and Permanent Disablement (“TPD”) and/or Income Protection claim. If a loved one dies, then you may be able to make a death benefit claim.
Your superannuation may carry an insurance component that allows you to access benefits if you are permanently disabled. These benefits are usually called TPD and income protection.
A successful total and permanent disablement claim allow you to receive a lump sum payment if you sustain an injury, or if you are diagnosed with an illness, that stops you returning to your usual job. The payment is designed to help you cover medical costs and to minimise any debts that you may have. Success in making a permanent disablement claim depends on whether you meet the definition of ‘totally and permanently disabled’ or the relevant income protection benefit definition specific to your policy. Claims are time sensitive and Mazzeo Lawyers are skilled in total and permanent disablement and income protection claims and can guide you through the claims process.
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Our firm’s core business is property development. We develop projects across a number of sectors including residential, commercial and childcare. We have dealt with Mazzeo lawyers for a number of years on many legal matters and advisory services. Our experience with Mazzeo lawyers has been excellent and we could not more strongly recommend them. They have a great team, excellent customer service and extensive legal experience that always has been a great asset for us.
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Appointing a solicitor when you have no connections with any legal firms is not easy. Mazzeos was suggested to us by a friend and from the outset Nick, Tom and their team gave us great confidence that we had made the right choice. At times during the last twelve months challenging decisions had to be made in a complex case. We were given all the alternatives with recommendations and with Mazzeos help we managed to navigate our way to a satisfactory result.
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I worked with Nick and his team on a complex legal matter over a couple of years. I felt supported every step of the way. The team at Mazzeo Lawyers was always available and they genuinely cared about me and my family, and about the outcome of our case. Their lawyers are honest, they are experts in their fields, and they are really there when you need them. I will continue to use Mazzeo Lawyers for all legal matters. It’s a relationship built on trust and respect.
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My experience as a client working with the team at Mazzeo Lawyers made a prolonged, complex and sensitive case more bearable to endure. Throughout the process, I felt I had an outstanding team behind me. At times, they went above and beyond. Despite the many challenges, their professionalism and expertise ultimately provided me with an excellent outcome. I will forever be grateful to Nick Mazzeo and his talented team.
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We have worked with Nick Mazzeo for over 30 years. Since the beginning we have always felt Nick has expressed sincere dedication and a keen desire to ‘want’ to assist you. He has always shown immense knowledge and compassion. We believe that the ‘win’ outcome is important, however the process for us is far more significant. When a legal case is taken on by the team at Mazzeo Lawyers, personally or professionally they work comprehensively to provide the best outcome.
TPD Claims
FAQ’s
What is TPD claim?
A TPD claim is made through your superannuation provider or personal insurance.
What is an income protection claim?
An income protection claim is made through your superannuation provider or personal insurance.
What is a death benefit claim?
A death benefit claim is made by the deceased person’s executor or nominated beneficiary through the deceased person’s superannuation provider or personal insurance.
Can I make a TPD claim?
You need to first ensure that you are insured for TPD either through your superannuation or personal insurance. If you have suffered an injury (either physical or mental injury) and you are unable to work at all, or you are only able to work in a reduced capacity, then you may be eligible to claim TPD as long as you have insurance at the time of the injury.
Can I make a death claim?
If you are the executor or nominated beneficiary of someone who has died and the deceased person has death benefit insurance, then you may be eligible to claim the death benefit.
Can I make an income protection claim?
You need to first ensure that you are insured for income protection either through your superannuation or personal insurance. If you have suffered an injury (either physical or mental injury) and you are unable to work at all, or you are only able to work in a reduced capacity, then you may be eligible to claim income protection as long as you have insurance at the time of the injury.
What compensation can I claim?
For each of the death and TPD claims the amount you can claim is determined by the insured sum. The insured sum is a set amount and will usually be detailed on your superannuation statement.
For income protection claims you will be insured for either a weekly, fortnightly or monthly amount. Income protection payments vary in length – some are payable for 2 years, 5 years or until retirement age. The amount of this payment will usually be detailed on your superannuation statement.
Do TPD and income protection claims reduce my superannuation balance?
No – if a TPD claim or income protection claim is successful the claim is not paid from your superannuation balance. In some instances involving a successful TPD claim you will be able to access your superannuation balance.
Can I make more than one TPD claim?
Yes – if you have more than one TPD insurance you are able to make multiple claims.
What is the TPD and income protection claims process?
The TPD and income protection processes are similar and generally involve the following steps: –
1. Confirming whether you have TPD and/or income protection insurance.
2. Determining whether you are eligible to claim TPD and/or income protection benefit.
3. Completing claim forms and compiling documents in support of the claim.
4. Communicating with the insurer and trustee regarding further documents and information they require.
What are the time limits to making a death, TPD or income protection claim?
Time limits are usually specified in the relevant TPD or income protection policy. To avoid any issues with time restrictions it is strongly recommended that you commence a claim as soon as you become aware of your capacitating injury or illness. Some TPD and income protection proceed to Court if there is a dispute between you and the insurer and the trustee and certain time limits will apply to when proceedings can be issued. In exceptional circumstances a claim can be made after the expiration of the strict time limits that apply.
