How long does it take to claim my Total and Permanent Disability (TPD) insurance benefits?
If you can’t work in your usual job because of an illness, physical injury or mental disorder, you will want to make a TPD insurance claim through your super fund. Being unable to earn an income will increase your anxiety and stress when seeking a positive outcome for your case.
As one of Australia’s leading insurance claim law firms, we help injured workers access their due entitlements daily. The most frequent question we hear from our clients is:
The second common query is: How long do TPD claims take? >
The simple answer is that the complexity or simplicity of your case will determine the length of time required for a typical TPD payout. This article will explore the elements that impact the time taken to process a TPD claim and receive a lump sum payment and discuss some steps you can take to ensure a speedy resolution.
What is the waiting period before I claim my TPD?
Before claiming your TPD benefits, you must have stopped working. There is a waiting period between your cease employment date and your claim lodgement date. The terms and conditions of your disability insurance policy will determine your waiting period. For most people, this is a 3 to 6-month delay before you can start the claim process.
If you can’t work due to an illness, injury or mental health problem and would like to understand your opportunity to make a compensation claim, please get in touch with our lawyers or solicitors for expert legal advice.
Free TPD Insurance Claim Investigation
Once you have stopped working, they will do a comprehensive claim investigation for free. You will know:
- Your waiting period.
- If you have one or more TPD claims.
- The expected value of your lump sum payment.
- Your chance of having a winning claim.
- The likely time to get your TPD payout
How long will it take to make a TPD claim?
In most cases, your insurance provider will pay TPD benefits within a 6- to 12-month period. Once your insurance company has received your case, there is typically a six-month assessment period. During this time, you may need to attend a medical review with the insurer’s disability assessor.
When your total and permanent disability insurer has decided, your superannuation fund trustee must also assess your claim. This review process usually takes two months.
Our legal team helps 100’s of Aussies access their TPD entitlements every year. We regularly deal with all major Australian insurance companies and understand their expectations. Our compensation claim lawyers will investigate your TPD policies for free and let you know a reasonable time frame for your case when you contact us for your free legal case review.
What is the TPD Claim Process?
These are the steps of the TPD claims process
- Locate all your Super TPD insurance policies
- Was your TPD cover current at the time you were injured?
- Understand your policy requirements.
- Lodge a comprehensive and compelling TPD claim form with all the substantiating evidence.
- Attach a written proposal explaining why they should approve your case.
- Contact the insurer to confirm they have everything they need to decide an outcome.
- If your claim is rejected, follow the review process.
Read more about claiming TPD benefits
What will Delay my tPD claim?
Like any legal matter, the complexity or simplicity of TPD insurance claims will impact the time frame to achieve an outcome. Generally, physical disability claims are easier to prove than those for psychological disorders. Mental illness claims are more complex as the damage is not visible.
Making a successful TPD claim relies on expert evidence. When compelling professional assessments and medical records substantiate your condition, the insurer’s decision is often straightforward.
A skilled TPD insurance lawyer knows the type of proof insurers are seeking. The evidence will make them approve your case on time. Contact our legal team for your free insurance claim review to access all your TPD entitlements faster. Call Now – 1300 873 252
Factors that Affect the Time it Takes to Process a TPD Claim
The type of TPD claim you make can significantly impact how long it takes to process your case. For example, TPD claims for physical disabilities are generally easier than those for mental illness.
The severity of your disability may affect how long it takes to process a permanent disability claim. Claims with severe and well-documented disabilities could be processed faster than claims that are less severe or have poor documentation.
The availability of medical evidence will affect the time it takes to conclude successful TPD claims. Comprehensive medical evidence, such as reports from treating doctors, a medical specialist, and other health professionals, is essential to support your total and permanent disability claim.
The complexity of your case will impact how long TPD claims take. If your claim is straightforward and does not require further investigation, it may be handled faster.
Cooperation from your employer or insurance company will also impact the speed of processing your TPD claim. If either the employer or insurer disagrees, it may delay your settlement.
What evidence will I need for my TPD claim assessment?
You will need to submit the following information for your superannuation disability claim:
- Medical evidence and specialist reports – expert doctor, medical practitioner, physician, psychiatrist and medical reports, treating notes and referrals.
- Your employment history – Your CV, work history, and employer reports showing your skills and training.
- Financial evidence – Centrelink reports, tax reports and your pay records.
How can I fast-track my TPD claim?
To accelerate your TPD claim payout, you must ensure the following:
1) Your documents match the insurer’s requirements – all insurance companies have processes for insurance claim approvals and each type of case. Your settlement will be faster when your submission meets their expectations the first time it is lodged.
2) You provide compelling evidence of your condition – to have a winning TPD claim, your disability must be certified. Your physical or mental damage will determine the complexity or simplicity of this stage. e.g. some psychiatric conditions trigger almost automatic approval as they are known to be irreversible. Reports from specialist doctors or psychiatrists are more compelling than those of a general practitioner.
3) Submit all your documents simultaneously. Understanding what your insurance companies need to make a decision and giving it to them the first time will speed up your claim.
Our claim lawyers know how to fast-track your TPD case. Our 99% success rate is evidence of our skill with all types of insurance claims. We know what your insurer needs to progress your case.
What do insurance companies do to slow down TPD claims?
Insurance companies are more interested in protecting their bottom line that approving your case. They will look for every reason to minimise, delay or reject your claim. Of course, some insurers are more cooperative, while others have a track record for prolonging an outcome.
According to the Insurance Contracts Act 1984, Australian insurance companies have a legal obligation to act in good faith. Under section 13 of the Act, they are legally responsible for promptly assessing insurance claims. You can read more about their obligations here >
One technique they use is to ask for your evidence piece by piece. If you do not lodge all the required information in your initial submission, they can seek to delay by requesting each document one at a time. They might also request reports they aren’t required to reach an outcome.
How TPD Lawyers Help with a Successful Claim
How do you successfully claim TPD? Keep your claim on track with professional legal support. Having experienced personal injury lawyers manage your case gives you a higher chance of winning a lump sum payment.
In fact, Aussie Injury Lawyers has a 99% win rate for TPD claims on a 100% no win no fee basis. This means you pay us nothing until we win your case. Just like you, we want a fast, excellent outcome.