TPD 클레임이 뭔가요? TPD 는 “Total and Permanent Disability”의 약자로 완전하고 영구적인 장애를 뜻하며 TPD 클레임은 내가 아프거나 다쳐서 다시...Read More
We know that when you make a disability insurance claim like income protection, total and permanent disablement (TPD) or critical illness, money can be tight and you’re eager to start receiving payments as soon as possible.
When assessing an insurance claim, an insurer is entitled to make reasonable enquiries which are necessary for it to make a decision on your claim.
What’s considered reasonable will depend on your particular circumstances,
This process can be stressful when you’ve done the right thing and have paid premiums on time and aren’t sure how to answer these enquiries.
If you’ve made a claim for TPD, income protection, trauma insurance or life insurance, read this article for practical information on what can be considered ‘reasonable enquiries’ by the insurer, and which questions you need to, or should, answer.
In assessing your claim, an insurer will often make significant requests for information. These may include, among other things:
Depending on the nature of your claim, they may also ask for additional documentation or information.
Insurers sometimes request that you attend an interview with an investigator they have engaged, even if you have a legitimate claim. These investigations are often completed by former police officers specially trained to do this work.
These interviews are often scheduled before you even understand the particular matters that the insurer is investigating, or that you are being investigated in the first place!
If you are asked to attend an interview with an insurer or their investigator, you should ask for a detailed list of questions before going to the interview.
Under the Life Insurance Code of Practice, you also have certain rights:
In some cases, you may be able to refuse to attend the interview at all.
If you have been asked to attend an interview with an insurance investigator or any third party during the assessment of your TPD, income protection, trauma or life insurance claim, seek legal advice first!
We know that communicating with insurers and negotiating their complex processes can be stressful and time-consuming. You don’t have to deal with insurers’ enquiries on your own.
Arm yourself with high-quality legal advice now – let Littles help.
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.
We can advise:
We are experts in disability insurance claims and provide a 24-hour claim assessment guarantee. You can have a free, no-obligation chat with us today and know where you stand.
Not only do we offer a free initial no-obligation consultation – we handle insurance claims on a no win, no fee basis.