Injuries that Force Cessation of Work.
Have you been injured? Did you sustain any injuries? Do you have superannuation? Are you unable to return to your normal work duties?
If you answer yes to the questions above then you may be entitled to make a claim against your Total and Permanent Disability (TPD) insurance attached to your Superannuation. In certain circumstances you may have TPD cover attached to a loan or through your bank.
TPD means you are unable to return to your normal work duties. If you have been injured and are unable to return to work and you can produce medical evidence confirming that you will be unable to return to your normal work then you should consider lodging a claim for an insurance payout.
The process is not a lengthy one. There is a requirement to complete a claim form which has attached a medical certificate that your Doctor or Specialist is required to complete. Once the forms are completed they are lodged with your Superannuation company. You are then required to provide further medical evidence or a specialist report then submit the further documentation for assessment.
You are not required to see a Doctor on behalf of your insurance.
The documents are tabled before the Trustee board of the Superannuation fund or insurer and a decision is made. If you are unsuccessful then an appeal process if available. Overall the process can take 3-6 months and any payments are made in lump sum payments for the value of your insured benefits. Please note that this is not a withdrawal of your superannuation contributions or the closing of your superannuation account, it is only a claim against the insurance part of your policy.
We are happy to assist in this process of guidance with the claim for completion and lodgement and also the obtaining of specialist reports. Please do not hesitate to email firstname.lastname@example.org or cal 1300 HATZIS (1300 428 947) if you have any further queries.