At the time when you need to file a total and permanent disability claim, or TPD, it’s also often a stressful period in your life. As your personal insurance specialists, at Almane Super Claims, our goal is to relieve the burdens of time consuming administrative work for our clients. TPD coverage provides assistance for those that are no longer able to work due to a disability, physical or mental, caused at work or at home. Our knowledgeable team is here to assist in filing claims and achieving fast payouts for the times when you need it the most.
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What is TPD?
Total and permanent disability is a categorisation under which certain types of insurance are issued. There are several types of TPD including own occupation and any occupation divisions, that each come with a unique set of stipulations for what qualifies for a TPD claim. Our experts assist in processing both of these types of permanent disability insurance claims. Individuals approved for a total permanent disability insurance payouts are entitled to a lump sum once their insurance agency has evaluated the coverage of their TPD plan. These payments serve to fund medical costs and sustain daily living expenses and in most cases are issued through a superannuation fund. |
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What Is TDP Insurance?
Just as with any type of insurance, TPD insurance is a safety policy against the possibility of health issues that may arise in the future. In this instance, the insurance provides a lump sum to those that deemed unable to work due to an accident or illness. This disability also needs to exclude them from the expectation that they’ll be able to return to their profession in the future. TPD insurance claims serve a variety of financial functions, from funding medical costs to clearing debts and restoring the quality of life for day to day functions. In having this type of insurance, clients are able to reduce the financial burdens on families and loved ones assisting in their support. |
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Claims
When filing a TPD insurance claim, our experts at Almane Super Claims are here to offer our support throughout the process. Filing a TPD claim can be stressful which is why having a knowledgeable team to guide you through the process not only helps things run smoother, but also helps you claim your payout quicker. Your TPD claim amount depends on a number of factors, from the type of policy and superannuation possessed, to the complexity of the individual case. Eligibility can also include having the opportunity to apply for TPD claims from multiple super funds, which is where we can help you manage these multiple providers. |
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TPD Superannuation Payouts
Clients often ask us how to claim their superannuation payouts, and with our expert services we enable our clients to leave their administrative work in our capable hands. Payouts for TPD depend on the type of coverage you have, with insurance companies often employing a strict scrutinisation process. Because the exact definition of TPD is not standardised, it’s important to have insurance specialists like ours that can assist in making a strong case for your permanent disability payout. On occasions where claims are rejected, applicants have a limited timeframe in which they can appeal, and our experts stay on top of paperwork and deadlines, with a high rate of successful decision reversals. |
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