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Total and Permanent Disability Insurance: Know Your Rights

Understand your legal rights when it comes to disability insurance.

Many Australians are unaware of their entitlements to Total and Permanent Disability (‘TPD’) Insurance in circumstances where they can no longer work as a result of illness or injury. Most working Australians will have an entitlement to TPD through their superannuation fund, which allows them to access a lump sum payment.

Many people falsely believe they will only be eligible for compensation if they fall ill or are injured in circumstances where another party is at fault or caused their injuries. With a TPD claim you do not need to prove fault by any other party, and you are generally still entitled to a payment where you caused your own injuries.

It is also important to remember that TPD includes psychological and psychiatric illnesses that restrict someone’s ability to work.

Every TPD policy is different and if you believe you may be eligible for a claim, or have been unable to work for more than three months due to illness or injury, you should contact our Nambour solicitors. Sunshine Coast’s Butler McDermott Lawyers are well-versed in TPD legal matters and can provide specialist legal advice. Our lawyers generally offer a free consult to discuss your eligibility for TPD as the process can be complex and require specialist knowledge.

If you or someone you know has been unable to work due to illness or injury for at least three months, get in touch with our Disability Lawyers today. Our Sunshine Coast law firm team can run you through your options and if you are eligible, can help you apply for compensation.

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