What to do when you are permanently unable to do your job 

If you have suffered an injury or have a medical condition that results in total and permanent disability (TPD), you may be entitled to compensation.  

Often, you will have TPD insurance as part of your superannuation, but to ensure a smooth claims process, you must carefully review your superannuation policy’s specific criteria, and any mandatory waiting periods and eligibility requirements. 

What is total and permanent disability (TPD)? 

Put simply, if you are unable to continue working or find suitable work due to a medical condition you may meet the definition of TPD.  Every policy is different, and you need to carefully review the definition of TPD that applies in your case. 

Any medical condition can make it difficult to do everyday tasks for a period of time, but it may not meet the definition of TPD in your policy. 

However, often a severe accident, amputation, terminal illness, loss of eyesight or hearing may qualify you for TPD compensation.  This can include when a medical condition is a result of motor vehicle accidents, and workplace injuries. 

Medical conditions 

TPD claims can arise from both physical conditions and mental health diagnosis. Your treating doctors will have to complete medical reports about your condition and its impact on your ability to work.  

It is important to maintain regular contact with your treating doctors when possible.  This may strengthen your claim and potentially ease the claims process. 

The claim process 

Submitting a TPD claim can be a daunting and confusing process.  Working with a legal team who are highly specialised in TPD claims often means a quicker, and less stressful process.   

MEJ can help you apply for a TPD payout and communicate with your insurance company or superannuation fund on your behalf.  

Our team includes specialised lawyers who can navigate the claims process with you. 

Want to learn more? Connect today, don’t delay.