If you or a loved one has been diagnosed with younger onset dementia, dementia, or Alzheimer’s and are experiencing dementia symptoms, you are likely questioning: What benefits can you claim for dementia in Australia? Thankfully, you have multiple options, including:
- Benefits from the National Disability Insurance Scheme (NDIS)
- Centrelink benefits include carers allowance, rent assistance and disability support pension.
- You could also make a TPD (Total and Permanent Disability) claim through your superannuation fund before retirement age.
This article is focused on how to make a TPD claim for dementia and claim other benefits like the NDIS and Disability Support Pension.
About the Alzheimer's Association and Dementia Australia
Carers in Australia can greatly benefit from the support groups and educational programs offered by the Alzheimer’s Association. Additionally, Dementia Australia is an excellent place for carers to get specialised help and learn new skills.
What is Younger Onset Dementia?
- The term “younger onset dementia” refers to any type of dementia detected in people younger than 65.
- Dementia may alter how you think, remember, and behave. Often, brain function is harmed enough to make it challenging for someone to continue working and earning an income.
- On the other hand, people who have been diagnosed with dementia often continue to have fulfilling lives and enjoy social activities.
TPD Claims for Dementia and Alzheimer's
People who are still of working age and diagnosed with dementia or Alzheimer’s disease may be eligible to make a TPD claim. A successful lump sum TPD payout can be sizeable and help with pay bills and medical expenses when you cannot work.
When early stages of dementia, such as younger onset dementia and early-onset Alzheimer’s disease, prevent you from working in your usual occupation, you could claim disability insurance benefits. Here’s how TPD claims work:
Conditions Covered
TPD claims cover a wide range of dementia-related conditions, including:
- Alzheimer’s disease
- Cognitive impairments
- Loss of independent existence
- Any physical or psychiatric condition
These medical conditions can significantly impact someone’s work capacity and ability to perform daily activities, making them eligible for TPD benefits.
Eligibility and Process
To qualify for a TPD payment, you must have a medical diagnosis of a severe and permanent condition that prevents you from working in your usual job. You must then have strong medical evidence that satisfies the TPD definition of your superannuation insurance policy. Generally, your best chance of a successful outcome is to work with the support of experienced TPD lawyers.
Many Australians don’t know they have TPD insurance coverage through their superannuation fund, and some can make multiple claims. Thankfully, Aussie Injury Lawyers investigates your coverage for free and works on a 100% no win, no fee basis. Find out more now by calling 1300 873 252.
How Much is a TPD Payment?
A successful TPD claim for dementia results in a lump sum payment, typically between $30,000 and $500,000. These funds are not considered taxable when they remain in your superannuation account until retirement.
Furthermore, people with multiple superannuation accounts can often make multiple claims.
Financial and Legal Support
A TPD payment can significantly improve the quality of life for people living with dementia. This lump sum settlement can be used for:
- Living and medical expenses
- Home modifications
- Home care services
- And other assistance services.
You can achieve significant financial resources when you combine a TPD payout with funds from the National Disability Insurance Agency (NDIA) and the Disability Support Pension (DSP). Keep reading to learn about other support services that complement your TPD claim.
Other Assistance for People With Dementia Australia
Apart from TPD claims, additional resources are available for dementia patients. Dementia support services are critical for providing such people and their carers access to support.
People diagnosed with Alzheimer’s or early-onset dementia can get help from aged care services and the Australian Government, such as:
NDIS funding
Disability support pension
Carers Allowance
Rental assistance
National Disability Insurance Scheme (NDIS)
The National Disability Insurance Agency has support services and packages for dementia patients. Key benefits include:
- Personal care: Assistance with daily activities.
- Transportation: Support for getting to medical appointments and community activities.
- Community engagement programs: Programs that foster social inclusion and activity.
- Specialist Disability Accommodation (SDA): Housing solutions for those with severe functional impairments.
Having a family member present during the NDIS application process can help explain the complicated nature of dementia and make sure the person gets the right help. To access the NDIS, create a MyGov account and complete an access request form with medical evidence of the disability.
Services Australia has more information about caring for someone with dementia.
Disability Support Pension (DSP)
The DSP offers financial assistance to those who cannot work due to dementia and are under the pension age. It provides a reliable income to help pay for daily expenses and care needs. Key aspects include:
- Eligibility: Applicants must meet specific medical and non-medical criteria.
- Application Process: This involves submitting comprehensive documentation, including medical reports.
- Benefits: Include the maximum basic rate, pension and energy supplement tailored to the applicant’s circumstances.
Claiming Home Care Services
You will likely need home care services for a person diagnosed with dementia. Fortunately, you can access home care support by:
Hiring a paid carer
Contacting a community program
Or engage with a privately-owned paid service organisation
If the person with dementia is 65 years of age or older, the Australian Government’s home support program may be able to help pay for their home care. You can assess their eligibility on the My Aged Care Website
How Can Aussie Injury Lawyers Help?
100% No Win, No Fee Guarantee
At Aussie Injury Lawyers, we believe every Australian deserves expert legal representation when dealing with insurance companies, especially for TPD claims related to dementia or Alzheimer’s.
We know it’s tough to afford legal help when you can’t work due to your condition. Hence, we offer a 100% no win, no fee guarantee. Pay when you win and zero if you lose. You have no financial risk for your case. Call now for immediate support: 1300 873 252
99% Claims Succcess
A successful insurance claim, particularly for conditions like dementia and Alzheimer’s, happens once in your lifetime. Therefore, it’s crucial to make your first attempt count. With a 99% success rate in superannuation insurance claims, working with a skilled lawyer from our team gives you confidence that your claim is handled by professionals who win.
Experts in TPD Claims for Dementia and Alzheimer's Disease
Our seasoned TPD lawyers specialise in handling claims for those with dementia, early onset dementia, or Alzheimer’s. Here’s how we can help you:
- Comprehensive Case Evaluation: We meticulously examine your case to identify every opportunity to maximise your claim, including exploring multiple claims if applicable.
- Gathering Evidence: We collate the medical records and documentation that prove the severity of your condition and how it disrupts your work capacity.
- Claim Submission: We handle all aspects of the claim submission process, ensuring that all forms and documentation are completed and submitted on time.
- Negotiation with Insurers: Dealing with insurance companies can be daunting, as they often prioritise profits over paying out benefits. So, our experienced legal team will vigorously pursue your case, using our knowledge of insurance company tactics to win your payout.
- Appeals Process: If you have a denied claim, we create a new strategy to reverse the insurer’s decision.
At Aussie Injury Lawyers, we are committed to helping you secure the financial support you need. We understand the unique challenges faced by those with dementia and Alzheimer’s and are here to help you every step of the way.
