Many superannuation policies offer TPD insurance (also known as Total and Permanent Disability insurance). While policies differ, and some pay more than others, TPD claims provide a lump sum payout if you can prove your illness or injury is permanent and prevents you from working (for specific details on what your TPD policy covers, check…
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Depending on your superannuation policy, part of your contributions may be paying for insurance. There are usually two types of insurance cover – Total and Permanent Disability (TPD) cover and Total and Temporary Disability (TTD) cover. What’s the difference? Claims for Total and Permanent Disability (TPD) can be made if you are mentally or physically…
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Our client came to Australia twenty years ago. He spoke very little English. He worked as a kitchen hand, briefly, and then secured labouring work in the construction industry. The work was hard, physical work. He was required to work a six-day week lifting and carrying heavy timbers and scaffolding components. By the end of…
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New superannuation laws came into effect from 1 July 2019. The new laws brought about several changes, including automatic cancellation of insurance for inactive accounts. These changes may have left you wondering what insurance is actually provided through your superannuation account? Those contributing to a superannuation fund are usually covered for total and permanent disability…
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Our client worked in the concrete industry as a labourer. He had spent a lifetime doing extremely heavy work. His day involved physically demanding tasks including shovelling, pouring and finishing concrete, wheeling wheelbarrows full of concrete, bending, lifting, twisting and squatting. A few years ago, he started to feel symptoms of pain in his back….
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Injuries that prevent a person from working or earning an income can be devastating and cause considerable concern for what the future holds. TPD claims, or total and permanent disability claims, are a form of insurance offered by most superannuation funds, which provide a lump sum of financial support that covers medical expenses and loss…
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Recently Ray McClenahan, Partner, Accredited Specialist and expert in TPD claims, was successful in prosecuting a TPD claim against two super funds and their insurers in respect to an injured maintenance worker. Ray’s client suffered an injury to his lower back, legs and feet whilst performing heavy maintenance work for his employer. As part of…
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Recently, Michelle Meigan, Senior Associate and expert in TPD claims here at Taylor & Scott, acted for a client who had attempted to make a TPD claim by himself without legal assistance. Michelle’s client had suffered a very serious injury to his back when he had worked in the construction industry. He had been required…
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Our client worked for many years as a shop assistant for a large supermarket chain. She loved her work and enjoyed the social contact with fellow staff and shoppers alike. Having finished a long day at the supermarket, she was involved in a serious motor vehicle accident when a vehicle travelling in the opposite direction…
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Ray McClenahan, Partner and Accredited Specialist, recently completed a TPD claim for one of his clients. Back in the 90s, Ray’s client slipped as he exited a backhoe he was operating. Upon landing on the ground, he felt immediate pain in his right ankle. Little did he know that what seemed like a relatively minor…
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