I have a mental illness and cannot work. Can I make a TPD claim?

In recent years, it has been heartening to see improvements in the way society and key institutions respond to, treat and support people with mental illnesses. ‘Stigma’ around mental health is being progressively broken down. However, people with mental illnesses know better than anyone that there is still work to do. While there is no question that people with physical illnesses or injuries can claim benefits under TPD insurance as well under other insurance products like income protection insurance, many people with mental illnesses or conditions often think that it is not worth even making a claim for TPD benefits because it will be too hard for the claim to be approved. You need to know that this is not the case. This blog provides practical information on how you can make a successful TPD claim if you are unable to work because of a mental illness.

I am not eligible for the Disability Support Pension. Does this mean I cannot make a TPD claim?

No. What matters is that you can no longer work due to your illness or condition. There is greater recognition now of different kinds of mental illnesses and how they affect people. This means that you might be able to make a TPD claim if you are suffering:

· depression

· anxiety

· bi-polar disorder

· post traumatic stress disorder (PTSD)

· schizophrenia

· schizoaffective disorder

· borderline personality disorder

· obsessive-compulsive disorder

or a number of other mental illnesses or mental health conditions.

We know that some government programs and other insurance products provide different frameworks and criteria for eligibility. These might require an assessment of your level of ‘whole person impairment’. By contrast, the primary consideration when claiming a TPD benefit is that you are no longer work due to your illness or condition.

Accordingly, if your illness causes you to permanently cease work, you are most likely entitled to a TPD benefit. Even if you have been refused eligibility for disability support benefits or workers compensation, you should consider making a TPD claim.

Let Littles help – we have supported many clients with mental illnesses and conditions to successfully claim TPD benefits. Contact us here!

I have heard that TPD claims based on a mental illness or conditions are difficult. Should I bother?

Unfortunately, there’s still a way to go in recognising the impacts of mental illness and conditions on people, especially in their ability to work. The insurance industry needs to do better when it comes to recognising the importance of mental health. However, while TPD insurance claims for mental illness and conditions are harder, they are not impossible. If you have sought and obtained regular treatment from your GP and a mental health professional, such as a psychologist or a psychiatrist, you can make a successful claim. 

If you have a super fund, chances are you have TPD insurance. If you can’t work because of a mental illness or condition, get the facts about what you might be entitled to. Let Littles help – we are TPD experts, and can help you make a TPD claim. Get in touch for a free super claims check today. Call us on 1800 548 853.

I haven’t been able to see a psychiatrist yet. Can I still make a TPD claim?

Managing mental health can be challenging and expensive. We understand that for those people living in regional, rural and remote areas, accessing appropriate mental health treatment can be difficult because it is simply not available. Depending on your illness or condition, finding care in the appropriate setting (for example, in a hospital) can be almost impossible in some areas, and extremely costly. We also know that mental illnesses and conditions manifest in different ways, and that as a result, you might only have irregular or sporadic contact with health professionals. Some people rely heavily on their GP and mental health treatment plan.

At Littles, we know that everyone manages their mental health differently. While obtaining expert treatment and care from a psychologist or psychiatrist is important, you may still be able to make a successful claim. What’s important is that you have sought help.

Get in touch with Littles today. We can assess your individual circumstances, and help you understand your options. Contact us here!

I am worried that making a claim will make my mental health worse.

We understand. As experienced TPD experts, we know that people who suffer from a mental health illness or condition work hard to manage their condition and keep working. Our clients tell us that they’ve heard ‘horror stories’ about how insurers treat TPD claims based on mental illnesses or conditions, and are scared that this might negatively impact their mental health. when they are considering lodging any insurance claim. There’s no doubt that the insurance industry needs to do better when it comes to how it treats mental illness.

You shouldn’t need to worry about wading through complex policies and responding to letters and demands from insurers. At Littles, we are TPD experts. Starting with our free super claims check, we can manage the process of making your claim to ensure it progresses effectively, allowing you to concentrate on your health.

Don’t delay – seek advice now

If you have a mental illness or condition that prevents you from working, you might be worrying about how you are going to pay your bills and put food on the table. Don’t put your mental health at further risk. You might 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, and manage the process efficiently and sensitively. Know where you stand, and get peace of mind.

Free advice and no upfront fees

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.

Contact us today!

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