When superannuation members don’t seek the help of lawyers experienced in Total and Permanent Disability (TPD) claims, they often struggle to get the outcome they deserve. Sometimes this is due to the confusion that can come with such complex processes. However, a recent report from ABC’s Four Corners points towards other factors such as arrangements by insurance companies including delays and in some cases, surveillance.
The program investigated allegations levelled against insurance companies that they not only delayed but contested TPD claims made by officers who are suffering from post-traumatic stress disorder (PTSD). Police Officers who have been medically discharged can often experience additional stress due to the assessment process employed by superannuation funds insurers.
Mental health still coming to the fore
All claims by NSW Police Officers are made in relation to their membership under the First State Super Scheme. MetLife, one of the insurers involved in the assessment process of basic cover and Police Blue Ribbon Insurance (PBRI) policy, released a statement in response to the report’s findings.
The press release states that nearly 85 per cent of of claims that come through under the PBRI policy relate to mental illness and 69 per cent to PTSD. It also highlighted how complex claims in these instances can be. Trying to combat any potential fallout, MetLife stated:
“We would clarify that in Total and Permanent Disability claims under the PBRI policy our role is not to diagnose any condition. Instead, it is to solely determine whether the condition – be it a mental or physical illness or injury – is such that a claimant is unlikely to ever work again in any suitable occupation.”
If you’ve experienced difficulty
Whether you have lodged a claim, or are considering lodging one, and have experienced any issues with your insurer, you should seek independent legal advice. Ensuring that the insurer in question acts in an appropriate manner in relation to the policy and medical evidence is a key facet of any claim. Seeking the support of expert lawyers is one step you can take to make this process as stress-free as possible.
At Gerard Malouf and Partners Compensation Lawyers, we fully understand everything that’s involved in dealing with claims assessors and insurance companies. We strive to be as empathetic as we can with Police Officers as they face such a high number of difficulties while protecting the public.
Due to this, we are ready, willing and able to fight on your behalf on a No Win No Fee basis to do everything in our power to get you your entitlements.