Guide to Back Injury TPD Claims
Claiming TPD compensation for a spine or back injury
Spine and back injuries can be debilitating; the constant pain and discomfort disrupt your daily life, impacting you and your loved ones. You will likely spend extended periods resting with strong pain relief drugs, whether you have a disc injury or have damaged your neck, head or spine.
When you can’t work in your regular occupation because of a back or spinal injury, you could claim your TPD insurance benefit and receive a lump sum payout. Many Aussies are unaware they have disability insurance coverage from their superannuation fund.
Aussie Injury Lawyers has a team of experienced TPD lawyers with a 99% claim success rate. When we take on your case, you will have a high chance of a positive outcome. We provide 100% No Win, No fee funding for all our insurance litigation legal services. It costs nothing to know if you have a case and pay nothing until we win your claim.
More about back injury TPD claims
What is considered a spinal cord or back injury?
A back injury accident can cause trauma to the spinal tissues, bones and muscles, or damage can happen due to long-term wear. By far, the most frequent type of harm is a muscle sprain or strain. This type of damage can occur in one sudden event or progressively worsen over some time.
Any harm to the spinal core or the nerves at the base of your spine will frequently result in long-lasting changes in feeling and strength, as well as changes in body functions in your lower body.
It will feel like every part of your life has been impacted if you have had a back or spine injury. You will likely also suffer a psychological or psychiatric condition.
You might have a legitimate TPD compensation claim when a back injury or spinal damage has compromised your ability to function in your regular occupation. Our experienced personal injury lawyers can help 100% No Win, No Fee.
Is a back or spinal cord injury a disability?
If you have a back injury, musculoskeletal, or spinal disorder, you could be defined as living with a disability. The Australian social security guide, guidelines to table 4 on spinal function state you must have a functional impairment when performing activities like turning or bending your neck, truck or back. To fit the social security definition of disability, you must be diagnosed by a GP, rehabilitation physician, rheumatologist, orthopaedic surgeon or other relevant medical specialists.
Thankfully, qualifying as having a Total and Permanent Disability (TPD) to claim your insurance benefits is simpler. Your insurance policy terms will specify your disability definition, but (in general) you need medical evidence showing you cannot perform your regular job because of your injury or illness. Unlike other injury claims, how you acquired your physical or mental disorder is irrelevant. For example, you could still have a claim if you harmed your back at the gym and can’t work anymore.
What is a spine or back injury TPD claim worth?
Successful TPD payouts can be substantial, ranging between $ 50k and $ 500k. Some working Australians have contributed to more than one superannuation account. In this situation, you could claim multiple lump sum payments, giving you the capacity to retire early. Our skilled TPD claim lawyers will let your know your entitlements at no cost.
Can I get a back injury TPD claim payout?
If you’re injured or if something happens that makes you unable to work and earn an income; then you may be entitled to a TPD payment. Where or how you were injured, or ill does not matter. The critical requirement is that your medical condition prevents you from working in your regular job or one for which you are trained.
For example, if you are a bricklayer or carpenter and have damaged your back, you may not be able to bend and lift objects, which means you can no longer work on a job site. You may have a successful TPD claim when your condition is assessed as permanent. In the future, you could return to work in a different role where you don’t need to bend and lift, like employment in an office.
If your condition is temporary, you could claim income protection insurance benefits (TTD claim). At Aussie Injury Lawyers, it’s free to know your legal options.
What are the common causes of back or spine injuries?
The Australian Bureau of Statistics estimates that up to 90% of people will have lower back pain at some time in their life. The causes of spinal injury are similar. Back muscles can be damaged by
- Lifting heavy loads
- Muscle overuse
- A sudden strong movement
- A direct blow to the body (trauma)
Herniated disc injuries can be age-related, with your spine degenerating as you mature. Frequent reasons for disc damage include:
- Trauma by falling
- Road and traffic accident trauma
- Twisting and bending when lifting heavy objects
- Workplace accidents
Fractures of the spine are severe with long-term consequences. Vertebral breaks can occur when:
- There is a solid direct blow to the spine
- Extreme axial loading
- Hyperflexion or extension
What are the common types of spine or back injuries?
It is common for Aussies to injure their back, particularly the lower back region. You can experience discomfort and pain with any damage to the joints, nerves, muscles, or connective tissue. Some frequent types of harm include:
√ Back sprains and strains
√ Bulging and herniated discs and other disorders
√ Fractured vertebra
√ Compressed and pinched nerves
√ Spinal curvature
√ Sciatic nerve pain
√ General back pain
√ Inflammation of the spine
√ Bone or joint degeneration due to Osteoporosis or Osteoarthritis
If you have experienced a back-related injury or illness permanently impacting your capacity to work, you could claim TPD insurance benefits. If you need to take time off work temporarily, you might have a TTD claim for income protection benefits.
Make a TPD Claim Today
The skilled injury solicitors at Aussie Injury Lawyers have assisted thousands of everyday people in accessing their due insurance entitlements with a 99% success rate. Your TPD lump sum payout can give you the financial resources to support yourself and your loved ones through a difficult time. Be sure of your legal rights by starting your free claim review now.