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Frequently Asked Questions
If you want to know more about TPD Benefit claims, read our FAQs below to get answers to common questions.
How do I find out whether I have TPD insurance?
If you have superannuation, it’s likely that you have TPD insurance. You can contact your superannuation fund to find out. If you’re employed, it’s a legal requirement that your employer pays super contributions on your behalf. You may also have separate cover for income protection insurance, paying premiums directly to an insurance company for the cover. Income protection insurance usually covers TPD. You can find out more by contacting your insurer. We can also help you find any lost super funds.
If I have more than one super fund, can I make multiple claims for TPD?
In some circumstances, you may be able to make multiple claims on multiple policies; however, this isn’t straightforward. Sometimes you can only claim under one policy, and as it’s possible that one policy is likely to offer a bigger pay-out than another policy, we recommend that you seek advice from specialist DBH lawyers before deciding how to claim. You should also seek financial and legal advice about rolling over your superannuation policies into one policy.
If I’ve made a different type of injury claim, does that disqualify me from making a TPD claim?
You may have claimed for Workers’ Compensation, a motor vehicle accident, or another type of claim for the same injuries. Even so, you should still be able to make a TPD claim. Our specialist TPD lawyers can advise you as to whether you are eligible.
Do I need a lawyer to represent me when claiming TPD insurance?
It’s not essential to have legal representation when you’re making a disability claim. However, sometimes an insurer will look for a reason not to pay a TPD insurance claim. A rejection can be difficult and expensive to overcome, so it’s safer to engage a lawyer to collect all the evidence, assess it and to work out the best approach before submitting the claim.
When should I make my TPD claim?
The timing of your claim will often depend on when your injuries have stabilised, and when your long-term recovery prospects are known. This may take months or even years. Usually, there aren’t time limits on making claims. However, there can be exceptions and so the sooner you make a claim, the better off you’ll be.