As an employee, you are entitled to compensation in the event that a workplace accident leaves you incapacitated and incapable of working in the same job you held before.
However, it's important to understand the ins and outs of the total permanent disability claims (TPD) process so you can be sure to get all the compensation you deserve after an accident.
The first step in the claims process is to get in touch with a TPD claims lawyer who will contact your Superannuation Fund Trustee. This will be the easiest way to learn what, exactly, you may be able to receive through TPD claims.
Once the necessary paperwork has been filed, legal experts can speak with anyone who may have assisted you during the treatment or recovery period or your previous employer to learn more about the nature of your accident.
This includes emergency responders, physicians or anyone else who may have had a firm understanding of your injury. Once your legal team contacts these groups, they will then be asked to write a statement that will backup your TPD claim. These statements, and any other evidence that can be put together, are essential for getting you all the compensation you deserve.
Once all of this is presented to the Trustee of your Superannuation Fund, the claim amount will then be determined.
What if my claim is denied?
If your initial claim is denied by the Superannuation Fund Trustee despite the evidence you submit, your legal team can request that the Trustee reviews the claim again. However, these secondary reviews require more medical proof that your injury caused permanent damage that has kept you from working.
Even if the claim is denied a second time, you still have options. If the requested review doesn't result in compensation, the Superannuation Complaints Tribunal will hear your case, where it could proceed.
Total permanent disability claims have led to more than $100 million in payouts from insurance companies. Often, individual claims can result in compensation of anywhere between $10,000 and $1 million.
However, to see the highest levels of compensation, it's crucial to get in touch lawyers well versed in TPD claims, and to gather as much evidence as you can collect to present your case to your Superannuation Fund Trustee.