Everyone has the right to go to work each day, knowing they’ll come home safely. If you’ve been injured or...Read More
Suffering from an injury or illness that prevents you from working can be extremely stressful. Fortunately, you can benefit from the insurance in your superannuation and gain access to funds to cover your living and medical expenses.
If you are looking to lodge a Total and Permanent Disability claim, there are several things to consider. The claims process can be complex and overwhelming; filling out forms and gathering the required evidence for your claim might be too challenging to accomplish on your own. Most individuals do not even know where to start, only to have their claims rejected in the end.
Insurers can refuse to pay claims for many reasons, including:
Unfortunately, lodging an insurance claim can be tedious and difficult and can often discourage people from making a claim.
A TPD lawyer is well-versed in various policies and can advise whether your situation falls under the policy of your superannuation/insurer. A claim may be denied solely on the basis that it does not fall under the respective policy. Your lawyer will ensure that you understand your rights before making a claim and during the claim process itself.
Your claim value and the corresponding paperwork
To avoid wasting your valuable time and resources, it is important to know at the onset whether you have a TPD cover. Your lawyer can investigate your entitlements and subsequently advise if your claim will be viable.
The paperwork involved in TPD claims are extensive. Having a lawyer can ease the burden of having to gather necessary evidence – allowing you to focus on improving your health.
In Littles, our lawyers have years of experience and can easily determine if your claim has a high chance of success. Our experienced experts know what kind of evidence is needed to support your claim, and we will help you present a stronger case that can get quickly approved.
Possible rejections and court proceedings
Chances are your claim will be denied if you come unprepared. You have the right to challenge an insurer’s decision, but there are cases where claims are taken to court. This situation might be too confusing and overwhelming for you, hence it is better to find an excellent legal team to make the process manageable.
Littles can help you challenge the insurer’s rejection and represent you in court if needed.
You can always make a claim without engaging a lawyer but keep in mind that you will be facing several obstacles and difficulties without having the necessary knowledge and expertise, which otherwise would have been available to you if you had engaged a lawyer.
Insurers will examine your medical history – and may find a potential pre-existing condition you had, dispute the diagnosis of your current condition, or even bring up a non-disclosure issue.
If you are suffering from an injury or illness that prevents you from working, you should prioritise your recovery and leave the rigorous process to Littles.
Littles conduct TPD claims on a No Win, No Fee basis. We will not require you to pay out-of-pocket while we help you process your claim. Contact us today to discuss your TPD needs.
在澳大利亚，每一个州属和领地有着不同的工伤赔偿机制、负责单位以及法律。近年来，新南威尔士在工伤赔偿的法律上产生了不少的变化。按照不同地区的法律制度，你能获得的赔偿也会因然而异。 工伤意外的发生可以非常突然，你或身边的同事有可能非常震惊、害怕以及不知所措。伤者有可能被带到医院、家庭医生的门诊甚至没有治疗就径自回家休息。另外一种可能就是因工作产生的疾病或者受伤是随时间累积而现形，一般在这种情况患者都不太确定到底能不能算是工伤以及有没有获得赔偿的可能。 为了确保你的利益，请往下阅读，了解应对工伤的基础知识。 工作时受伤怎么办？ 及时获得所需诊断以及治疗 ，获得“能力评估假条/证明” (Certificate of Capacity，简称CoC)，请医生或雇主发给保险公司。 尽快通知雇主，提供相关信息，例如受伤以及事故发生细节包括日期、时间以及地点。雇主必须通知保险公司。 联系立德事务所 – 工伤赔偿专家。工伤赔偿的制度复杂，涉及面广。如果你的意外严重以及涉嫌雇主疏忽，究竟你有没有资格获得一次性赔偿呢？保险公司聘请的调查人员(Factual investigator) 是否能准确陈述事发经过呢？ 工伤保险能提供哪方面的赔偿或协助呢？ 报销您因工伤而产生的治疗费用，例如理疗(Physio)、复建 (Rehab)，专科预约等 提供您受伤期间因无法工作而导致的收入损失 拟定协助您回到工作岗位(Return...Read More