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We often here people ask “Do I really need a lawyer to make a TPD claim?”.
It depends who you ask! While insurers say that the system designed for people to manage their own claims, there’s little regulation to ensure unrepresented claimants aren’t mistreated. We’ve seen many clients struggle with the convoluted superannuation claims process, and complex legalese in their insurance policies.
Recently, we’ve also heard of organisations describing themselves as TPD ‘experts’ or ‘advocates’ offering to help people looking to make a claim – in return for a percentage cut of the total benefit when the claim is accepted. This means the higher the claim benefit is, the more money you pay for representation, regardless of how much actual work was required.
If you’re unable to work because of illness or injury, taking the step of making a TPD claim could be one of the most important things you do to secure the financial wellbeing of you and your family. Don’t put your claim benefit at risk. At Littles, we are TPD experts, and can help you make a claim.
Despite using legal-sounding words to describe themselves and their staff, these organisations are not law firms, and their representatives are not lawyers.
Littles will never seek to take a percentage of your benefit. Not only will we perform a free claims check, so you understand all your options, we’ll also provide you with a detailed Costs Disclosure and Costs Agreement which sets out:
1. What you have been retained us to do
2. Who in the firm will perform the work
3. How we bill (by an hourly rate)
4. An estimate of the fees we expect to charge, having regard to the information we have been provided
5. An estimate of the cost of any reports we expect will need to be obtained to prove the claim.
If you’re unable to work due to serious injury or illness, you probably want to focus on getting well and looking after your family – you don’t want to spend your time filling out complicated paperwork and providing evidence to support a superannuation insurance claim. We get it, and why it’s tempting to run with someone who claims they can take all of this off your hands. But remember – not all advocates are created equal. If you’re going to seek help, consult an insurance law expert. At Littles, that’s what we are.
Don’t delay – seek advice now
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.
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.