The Construction and Building Unions Superannuation fund (CBUS) is one of Australia’s largest super funds and has been set up...Read More
As we all know, the JobKeeper wage subsidy concluded at the end of March 2021. However, the COVID-19 crisis is not over, and nor is the economic hardship caused by the rolling lockdowns that we’re continuing to witness. Many businesses that relied on the subsidy to keep their doors open are being forced to let staff go. Sadly, we know that the first staff members to lose their jobs are often those that suffer from injury or illness. This loss of income can be incredibly distressing if it coincides with your realisation that you can no longer work due to that injury or illness. If this has happened to you, you may be eligible to make a total and permanent disability (TPD) or income protection claim through your super. This blog highlights what you need to know.
Income protection and TPD benefits can provide much needed financial support to those that are unable to work due to illness or injury. You may be eligible to make an insurance claim even where JobKeeper played a role in you ceasing work. For example, we’ve heard from clients with chronic conditions or illnesses that it took them being forced to leave their job to realise that their condition had gotten the better of them. Importantly, your injury or illness does not have to be related to your work. We’ve helped clients with the following illnesses and conditions make successful claims:
· multiple Sclerosis
· motor neurone disease
· Parkinson’s disease
· chronic heart disease
· chronic fatigue syndrome Want to know more? Read: “I have a chronic illness. Am I eligible for TPD benefits?”
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.
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.
纤维肌痛(Fibromyalgia)是什么? 纤维肌痛症是一种弥漫性肌肉骨骼疼痛的疾病。其伴随症状包括疲劳以及记忆、睡眠和情绪问题。 纤维肌痛并没有明显以及固定的诱发因素。有些病患是因为单一事件后开始出现症状，有些则是随时间推移慢慢出现相关症状并愈发严重。 目前的医学发展无法根治纤维肌痛症，现有的治疗主要是通过药物控制症状。 纤维肌痛患者可以申请TPD保险赔偿吗 ？了解您的权利 首先，大部分的残疾保险并不由病因决定索赔的成败。这表示导致您无法工作的疾病或者受伤的因素并不起决定性的作用。 如果您被确诊患上纤维肌痛，引起伤残问题导致无法回到您原来受的教育、训练以及经验相关的工作，那您有可能可以针对您的完全和永久性伤残保险(Total and Permanent Disability Insurance, 以下简称TPD保险)进行索赔。 由于纤维肌痛的确诊以及症状比较存在争议，为了保障您的权益，获得法律建议以及熟悉相关疾病的医生至关重要。 以上的信息也同样适用于患有复杂性局部疼痛综合征(简称CRPS)以及慢性疲劳综合征(简称CFS)的患者。 退休金以及各类保险的分别 很多人不清楚自己的退休金(superannuation)到底包含了什么投资以及保险。每一个退休金机构(super fund) 对于选购保险的运作方式不同，所提供的保险种类、计划以及福利也不尽相同。所以，您需要了解到底您的退休金机构自带的保险 (default...Read More