When it comes to securing financial stability during times of disability, Total and Permanent Disability (TPD) claims play a very important role. CBUS is a superannuation fund that offers insurance coverage for workers particularly in the construction and building industry. This article will help you understand how CBUS TPD claims work, in case you might need to apply for one.

1. What is a TPD claim?

A Total and Permanent Disability (TPD) claim is designed for individuals who are unable to work due to an illness or injury. It is intended to provide financial support when a worker is prevented from ever working again in their usual occupation or any other occupation which they are suited for (within their education, training, and experience). There are many superannuation funds that offer TPD insurance, but CBUS is specifically designed for workers in the construction and building industry in Australia.

2. Am I eligible for a TPD claim?

First and foremost, you must be an active member of CBUS superannuation fund. You are an active member if you have ongoing contributions to the fund. Coverage and benefit amounts may vary so it is essential to review your policy details to fully understand the terms and conditions. Usually, to be eligible for a TPD claim, you must be incapacitated for work for about three (3) to six (6) months prior to lodging a claim and must be under the care of a medical practitioner.

3. How can I lodge a TPD claim?

To initiate a TPD claim with CBUS, there is a process that you should follow. The general steps may involve:

    • Gathering necessary evidence (e.g. medical reports, employment records, and any other relevant documents);
    • Informing CBUS that you intend to lodge a TPD claim so they can provide the required forms for you to complete;
    • Filling out the forms and providing CBUS all the requested information;
    • CBUS assessing your claim based on the information provided (note that they may directly request reports from your medical practitioners and information from your most recent employer to assist their assessment); and
    • Receiving an outcome (CBUS may either accept or reject your claim).

It is important to note, however, that the claim process can be complex and overwhelming when dealing with an injury or illness. It is advisable to consult a lawyer to guide you through the process, especially since insurance companies are notorious for making the process complicated to discourage workers from lodging a claim. Seeking professional assistance can significantly improve your chances of a successful outcome. They can ensure that you are not disadvantaged and advocate on your behalf should any dispute arises.

In the event that your TPD claim is denied, you have the right to appeal the decision. It is crucial to review the reasons for the decision and understand the grounds of the denial so you can gather further evidence that will support your claim. Appeals are a highly complex process and seeking legal advice at this stage is highly encouraged.

Overall, CBUS TPD claims provide financial protection to workers in the event of permanent disability. Securing the support that you deserve in challenging times is essential so you can move forward with confidence. If you think that you are eligible for a CBUS TPD claim, do not make any delay and reach out to us. We will navigate through the process for you and aim to get you the financial support you need while you focus on improving your health.

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