Total permanent disability claims are a common choice among employees who are injured on the job and can no longer work.
While these claims are certainly beneficial for those who suffer from workplace injuries, it's important to understand the various time frames during which you must gather and submit the proper paperwork and evidentiary documents.
Failure to complete all stages of the claim during these allotted time periods may make it much more difficult to complete the process.
Before all else, it's important to make sure you meet the requirements for filing such a claim. A TPD claim can only be issued to someone who will most likely never work in the same occupation again because of the injury. Similarly, a TPD claimant will usually have few prospects for jobs – despite any prior education, training and experience – due to the accident.
After you've spoken with experts to determine if you are eligible to file TPD claims, you'll need to provide proof that that your injury or illness has kept you from working for at least six months straight.
Options for faster processing
There are other options that may allow you to make your claim, have it assessed and receive compensation quicker than this. Under the Day One definition of TPD, if you are younger than 65 on the day the accident takes place, you can have your claim expedited.
There are also dozens of conditions that meet the requirement for Day One TPD claims, so it's important to read this list to see if your application can be processed faster.
You can also speed up the time it takes to make the claim by supplying the opinion of an insurer who says your injury will keep you away from work for good. Lastly, if your disability will impact your life outside of work for an extended time, you may be able to speed up the process.
For many in New South Wales, the last attempt to receive TPD claim compensation is to apply to the Superannuation Complaints Tribunal (SCT). This group can resolve complaint problems, however the application must be made within two years after you've been away from work.
Even if your claim is processed and accepted, you will still have the option to lodge a dissatisfaction complaint with the SCT.
To understand the complex nature of TPD claims, it's best to contact a legal team with years of experience handling such issues.