Lodging a TPD (total permanent disability) claim is one thing – being successful is another. You should note that there is a criterion you ought to meet as the threshold. First, it is vital to understand what a TPD compensation claim is and what determines successful TPD claims.
A TPD claim provides financial support for those who can no longer work following a physical or mental injury. Usually, an injured person is required to file a TPD claim through the superannuation fund provider or insurance company. Also, the application ought to be analyzed by reliable claims assessor. There is a need to learn from Successful TPD Claims. The following are some of the things that determine whether your TPD claim will be successful or not.
Level of Disability
The truth is that the level of disability you suffer as a result of the injury is an important factor that determines the success of your claim from the onset. Usually, the claims assessor will consider various questions such as can you get back to your previous occupation? Can you do any other form of work in the future? Does your disability stem from losing part or whole of eyesight, limbs, and other senses?
You should note that some injuries can result in permanent disability but are not covered in superannuation due to the difference between “own-occupation” and “any occupation” disability. The idea is that occupation is defined as any that matches your basic level of training and experience, which may be quite difficult to prove in the long-term. You should note that your own occupation offers cover for injuries that result from working in a particular organization or role.
Minimum Work History
Some insurance companies require that you meet a certain minimum work history to qualify for TPD compensation. For instance, you should meet a minimum of 12 months of working history. You have to demonstrate this by presenting contracts and forms of contract.
Ability to Perform Daily Tasks
You should note that there are TPD repayment policies that offer assistance with day-to-day living expenses. Therefore, you have to demonstrate that you cannot carry out basic living activities. These are not limited to walking, eating, and bathing.
Ongoing Medical Care
You may also be required to prove that you will need ongoing medical care as a result of the effects of your debilitating injury. For you to meet this criterion, you need to show appointments for medical checkups and rehabilitation. Also, a report from your doctor can be of great help.