As we all may know, permanent stay of proceedings of historical abuse claims is currently a live topic in this...
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Chronic illnesses are long lasting diseases with persistent effects. They can have significant social and economic consequences for peoples’ quality of life. According to research, just under half of all Australians will experience a chronic condition at some point in their lives. We know that chronic illnesses and conditions can look different in different people, and manifest in a variety of ways. During the ongoing COVID-19 pandemic, many people with chronic illnesses are often particularly vulnerable, and are finding themselves unable to maintain employment or return to work in an environment of rising unemployment. In these circumstances, it is important that you understand all of your rights and options. If you have been made redundant due to COVID-19 and are unable to return to work due to your chronic illness, Littles can help – and the starting point is our FREE super claim check. Read this blog to understand your rights!
We’ve helped clients with the following illnesses and conditions make successful claims:
• multiple sclerosis
• cancer
• motor neurone disease
• Parkinson’s disease
• asthma
• chronic heart disease
• fibromyalgia
• depression
• chronic fatigue syndrome
Total and permanent disability (TPD) insurance is provided through most Australians’ superannuation funds, and is designed to provide people with a safety net if they cannot work for any medical reason. Unfortunately, many people with chronic conditions are unaware that they even have it or that they’re entitled to access it should they stop working – despite the fact they’ve diligently paid their premiums out of their hard-earned super. Insurers may try and tell people with chronic illnesses that they are not eligible for cover because it existing before they joined the super fund and obtained the policy – but this is not necessarily true. If your condition didn’t affect your ability to work when you first opened your super account, then you should be able to make a claim.
We understand. If you’re suffering from a chronic illness or condition, your health needs to be your number one focus. While insurers say that they’ve made the process of claiming easier so that you don’t need legal representation, our clients tell us differently. Insurance policies continue to be full of legalese and fine print, use different definitions and criteria, all of which provides insurers, super funds and their lawyers with loopholes to avoid paying claims. Seeking legal advice early on in the process can ensure that your claim is considered quicker, and is more likely to lead to a successful outcome. We can also manage all the communication between you and your insurer, pushing back on unreasonable requests, using pressure where the insurer seeks to delay, and presenting evidence so that you put your best foot forward. Let Littles help – get in touch for a FREE super claims check today.
We know that during the COVID-19 pandemic, people with chronic illnesses and conditions ceased working. This may have left them even more vulnerable, as, certain insurance that is paid for through super can cease if a person’s account becomes inactive because contributions cease, or if the account balance is emptied. However, if you’re wanting to make a TPD or income protection claim, but you’re not sure whether you are still entitled to do so, Littles may be able to help. We can do a FREE super claims check, so that you know where you stand.
If you have an illness or injury that prevents you from working, you might be worrying about how you are going to pay your bills and put food on the table. You could be entitled to receive a TPD lump sum, as well as other insurance benefits. Get in touch with Littles for a free super claims check. We can help you understand what you’re entitled to. Know where you stand, and get peace of mind.
Not only do we offer a FREE claims check – we handle most insurance claims on a no win, no fee basis. Our Head of TPD and General Insurance, Rowan McDonald, is an insurance law expert. If you think you might have a claim, get in touch with Rowan and his team for high quality legal advice.
As we all may know, permanent stay of proceedings of historical abuse claims is currently a live topic in this...
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Read More近年来，社会对于精神疾病的认知、给予的支持以及开拓的治疗逐渐进步。随着大家对精神健康(mental health) 的讨论渐渐开放和了解，社会对 “精神疾病” 或 “心理障碍” 患者的污名化以及刻板影响也日渐被打破。尽管如此，对于患者来说，要维持生计、养家糊口依然是一个很大的挑战。当一个人因为精神疾病而无法工作，她/他可以申请完全和永久伤残保险 (Total and Permanent Disability Insurance, 以下简称TPD保险) 赔偿吗？ 很多人或许会认为，身体上的伤残比精神疾病更符合申请TPD保险或收入保障险 (Income Protection Insurance，或称Salary Continuance Benefits)的资格。或许正在阅读这篇文章的您也认为以精神疾病或障碍作为理由去申请索赔的成功率很低，所以没必要尝试。我们希望这一篇文章能改变您的看法，也能为一些受精神疾病困扰的人提供一些有用的信息。 ...
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