Littles 2021 super and TPD recap

Christmas is almost here! Who is excited for presents, fantastic food, and time with family? Once the hubbub is over, some of us – if we’re lucky! – take a bit of a break in January. In addition to heading to the beach, or reading a good book, this time can provide a good opportunity to do some ‘life admin’ – you know, those jobs that you just keep putting off Getting on top of your super is a prime example. We all know how important it is to our future financial wellbeing, but it’s easy to forget when you’re balancing work, kids, pets and everything else! But if we’ve learned anything from the last couple of years, things can change very quickly, and it’s important to know your rights and options in the event that you find yourself unable to work because of illness or injury. Insurance in your super, including total and permanent disability (TPD) insurance and income protection, is a crucial part of protecting the future for you and your family.

If you

  • are thinking about making a TPD or income protection claim
  • have already lodged a claim but you’re not happy with how it’s going, or
  • just want to get organised and ensure you’re across what your rights and entitlements are

let Littles help with our 2021 TPD recap! It includes some of the most important things you need to know about your super and the insurance coverage it provides.

1. Seek quality legal advice early on

While most of us already have lots of different kinds of insurance, running a super TPD claim can be complex. Understanding all of your options early on in the process is crucial. Obtaining high quality legal advice from TPD experts before you make your claim – or even before you stop work – can set you up for success in the long run.

2. Keep a close eye on your super fund balance

If your super balance falls below a certain amount, or your account becomes inactive because you stop making contributions, you may lose your insurance coverage. Before making changes to your super arrangements, have a careful think through the potential impacts.

3. Educate yourself about what your super insurance entitles you to

Every super fund and insurer is different. It’s worth familiarising yourself with your super fund and the default cover that you have by virtue of being a member of the fund.

4. New super rules might affect you!

If you’re not quite up to speed with all the changes to super laws that occurred in 2021, don’t stress! We’ve broken down the key points in a few handy articles.

5. Not happy with how your insurer is handling your claim? Don’t suffer in silence!

Is your insurer bombarding you with requests for information? Telling you that you need to sit down with an investigator? Taking months to respond to simple queries? We say: know your rights!

6. If your super TPD claim has been rejected, don’t despair

It’s easy to feel despondent if your insurer has rejected your TPD claim. However, don’t despair. At Littles, we have successfully helped clients who’ve had their claims rejected get a fair go from their insurer.

7. If you’ve got a mental illness or condition, you’re eligible to make a TPD claim

Ignore the misinformation. If you are suffering from a mental illness or condition that prevents you from working, you can generally make a TPD claim.

8. If you’ve got a chronic illness or condition, you’re eligible for TPD

Many people believe that TPD insurance is for people who have been injured as a result of a workplace incident. This is not the case. If you are suffering from a mental illness or condition that prevents you from working, you can generally make a TPD claim.

9. You may be able to work after you’ve made a successful TPD claim

Every insurer and TPD policy is different. This includes how ‘total and permanent disability’ is defined, and the limitations this places on you in terms of working after your claim has been accepted. Under some policies, you may be able to work after you have successfully claimed TPD benefits.

10. You can generally run a workplace compensation claim at the same time as your TPD claim

If you can no longer work because of an injury that occurred at work, you may be able to make a workers compensation claim and a TPD claim at the same time.

Don’t delay – seek advice now

Do you have an injury or illness that prevents you from working, or just want to know more about what insurance you have under your super? 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.

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.

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Public Liability Claims 公共責任索賠是基於第三方有過錯。如果您想成功索賠賠償,您必須能夠證明自己以外的另一方的過錯(或通常被描述為疏忽)。如果您無法確定疏忽,那麼即使您因事件而受到傷害,您也無權獲得任何賠償。  如果您能夠確定疏忽,那麼根據您的具體情況,您可能有權向被告索賠四項損害賠償: 1. 醫療和治療費用 您可能能夠申請合理且必要且與您的受傷相關的醫療和治療費用。這些可能包括藥費(藥物費用)、專家諮詢、手術和附帶費用、物理治療師、脊椎按摩師、放射學掃描等。您還可能有權獲得往返您的治療提供者的合理旅行費用。  藥品費用與通常從藥房購買的物品有關。這些費用的報銷也需要評估費用是否“合理和必要”。通常在購買前與您的醫生討論是否需要藥物就足夠了。  為了支持您的醫療和治療費用索賠,您必須與您的主治全科醫生討論建議的治療,獲得建議治療的轉介,並保留您自己接受和支付的任何治療的收據副本。  2. 工資損失(經濟損失) 如果您能證明您的受傷已經或將會對您的收入能力產生影響,您可能有權就過去和未來的收入損失提出索賠。  這可能包括因受傷、失去職業晉升或機會、無法恢復受傷前的工作時間和職責, 需要提前退休, 或完全喪失工作能力而無法重返工作。  您也可能有權就過去和未來的退休金供款損失提出索賠。  3. 家庭護理和援助 如果您因無法做家務或照顧自己而從家人或朋友那裡得到無償照顧和幫助,您可以就該幫助要求賠償。如果您已支付商業家庭援助費用,我們建議您保留付款收據的副本,因為您也可以將此作為索賠的一部分。 ...

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