Littles’ TPD mythbuster – the depression and mental health edition

For many of us, the last couple of years have been pretty tough on our mental health, thanks to  lockdowns, financial worries, health concerns and being separated from family. However, one of the positives is that this has helped to bring discussion of mental health issues out into the open,  and normalise seeking help to address them. These issues can include anything from ‘burnout’ and just being plain ‘over it’, to severe mental health illnesses and conditions. Whereas previously it seems that people were expected to ‘toughen up’ or ‘power through’, we now have a much better understanding of the impacts of mental illness, including on our ongoing ability to work. If you have been diagnosed with  a mental illness or condition and can no longer work as a result, you may be entitled to insurance held in your superannuation. This could include total and permanent disability (TPD) and income protection benefits. Surprised? The stigma’ around mental health is being progressively broken down, but there is still a lot of misinformation out there about what your rights are. This blog deals with some common myths!


Read more here: 

Depression and TPD claims – Littles

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

Readers seeking support can contact Lifeline crisis support on 13 11 14. More information is available at www.beyondblue.org.au and www.lifeline.org.au

1. Myth: Making a TPD claim for a mental health illness or condition is too hard, and there’s no point bothering

…busted! 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.

2. I am not eligible for the Disability Support Pension so I can’t make a TPD claim.

…busted! 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
  • anxietbi-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!

3. The insurer’s doctor is always right

…busted! Sometimes the doctors are simply unable to agree about whether you will work again. Usually, what we see is your treating doctors saying you will never return to work and supporting your claim, whilst doctor/s engaged by the insurer says that you will.  Your insurer will usually prefer the opinions of their doctors over the opinions of your treating doctors. This can seem unreasonable and frustrating when:

  • you have only briefly consulted with the insurer’s doctors
  • the insurer’s doctors don’t know your situation or circumstances well, or have got many of your details wrong in their report, or
  • all of the above!

 

At Littles, we’ll fight for you. This means ensuring that the insurer properly considers all of the available medical evidence, including reports from your own doctor or independent medicolegal doctor. If your claim has been rejected due to conflicting medical opinions, Littles can help. Contact us on 1800 548 853 today.

4. I can’t make a successful claim TPD claim for a mental health illness or condition unless I see a psychiatrist regularly.

…busted! 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.

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. 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 your rights are. 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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TPD保险的评定标准和需知

若您因生病或受伤(或两者)而无法工作,完全和永久伤残保险 (Total and Permanent Disability Insurance,以下简称TPD保险)能让您向保险公司进行申请,领取伤残保险金。对于很多人来说,无法回到原来的职业和工作岗位对生活的收入来源造成很大的影响。不同的TPD保险政策或产品也有着不一样的定义和评定原则。希望此文能协助您了解更多关于TPD保险金的基础知识。 我的TPD索赔已被接受。这是不是意味着我不能从事任何工作? 每一个保险公司提供的TPD政策不同,对“完全和永久伤残”的定义和索赔申请被接纳后对于工作的限制有不一样的要求。一般TPD政策的定义如下:  • 不能回到您受的教育、培训以及经验相关的工作;  • 不能投入您一向来从事的职业;  • 无法进行日常生活的活动;  • 失去两肢的使用或视觉能力。  有些保险政策的评定只需要满足以上的其中一项,有一些则要求两项或以上。因此,申请伤残保险金需要详细查阅政策内容和规定。保险公司接纳您的申请后也不代表您一定要停止一切的工作。在申请保险金的当儿,能做点其他的工作除了可增加收入,更重要的是能让我们保持社交能力以及维持身心健康。若您还有工作能力转行和进行其他工作,也并不代表TPD索赔的申请必然失败。  我不太确定自己有没有受保 ,我该怎么办? 若您在澳洲工作,您是否注意到您的退休金会定期扣除一些行政费以及保险费(Insurance Premium)?很多人不太注意退休金的积累以及保费的支付。您或许没印象购买过TPD保险,但您可通过查阅您的退休金会员账号及明细,查询您的退休金机构是否附带TPD保险。这种通过退休金机构选购以及支付的保险,统称退休金伤残保险 (Superannuation-based TPD insurance)...

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