Income Protection Claim Lawyers

If you are unable to work due to an injury or illness, income protection claim payments are typically made to you on a monthly basis. They're also known as 'salary continuation or 'temporary disability benefits, and they're intended to assist you financially while you recover and return to work.

Are you eligible to make a Income Protection Claims?

The Income Protection claim process may be intimidating, but we make it easier by handling your case from start to end and explaining everything in simple terms.

Get Started

Are you eligible to make a Income Protection claim?

Contact us!

What is Income Protection and what is involved in a Income Protection claim?

Inability to work due to illness or injury may have adverse implications. One of them is a lack of income. Income protection is intended to compensate you if you are unable to work due to long-term medical conditions or injuries.

We recognise that not having a consistent source of income can have a negative impact on your financial commitments, lifestyle, and stress levels. You may be unaware that Income protection insurance is included:

  1. Automatically through your Superannuation Fund, your fund may feature premiums that are deducted from the balance of your super account balance;
  2. Private income protection policies purchased via a broker, a financial adviser or by an insurer directly;
  3. Through unions, associations and/or other organisations via your employer.

It is also important to keep in mind that you may be able to claim total and permanent disability (TPD) if your injury or illness is likely to prevent you from returning to work permanently (rather than simply temporarily).

Our Income Protection Lawyers will help you identify your income protection claim entitlements. Income Protection Insurance is the least common insurance included in employer structured policies, although are sometimes included in your policy.

1

Schedule your free initial consultation

We can provide you with further information about the claim process and explore the viability of an insurance or compensation claim during our initial consultation. We'll also see if you qualify for no-win, no-fee terms in order to pursue your case.

2

Investigation & gathering evidence

While you recover from your injuries, we'll investigate and gather evidence. This includes gathering medical information both before and after the accident.

We'll also collect employment and income records at the same time so that we can paint a comprehensive before and after picture.

3

Lodge your claim

If the investigation turns out to be satisfactory, we'll file your income protection claim for the physical and/or psychological impairments you've suffered as a result of the injury or illness.

4

Claim settlement or court proceedings

During the informal settlement meeting, in many circumstances, the claim is successfully resolved, and you will receive the compensation to which you are entitled.

If your Income Protection claim has not been addressed at this point, we will take legal action to help you obtain the compensation to which you are legally entitled.

FAQ about Income Protection claim

If you have Income Protection insurance, you can file a claim if you are unable to work because of an injury, illness, disability, or other medical condition. Regardless of when you expect your medical condition to improve.

Time limits apply, therefore it's preferable to submit your claim as soon as possible. However, you may still file a claim if you have been injured or have been sick for a long time. Our Income Protection claim lawyers can help you identify whether or not you are still eligible for benefits.

Every Income protection claim is unique.

In most situations, if your superannuation policy includes Income Protection insurance, you will be covered for 75% of your pre-injury income. Income protection insurance policies vary from one Superannuation Fund to the next. Furthermore, variables like the frequency of income protection payments, the age limit restriction, and the length of time you can make a claim may range dramatically between policies.

Your Income Protection Insurance terms will also vary based on the severity of your illness or injury. Some policies will only payout if you are unable to perform your current job, but others would compensate you if you are unable to perform any work that requires your professional skills. While some Income Protection Insurance policies pay less if you can find another job, others pay more.

The waiting period specified in your policy will determine when you receive your income protection insurance payout. In most cases, the waiting period for these types of claims is within 3 months. The duration of an Income Protection claim process depends on the following:

  • The Income protection insurance policy you are covered for;
  • The severity and scope of your injuries or condition - an insurer is unlikely to decide on disablement insurance unless your injuries or condition is stable and stationary;
  • Whether the insurer contests your claim's liability.

Yes. Income protection insurance claims are subject to strict time limitations, which is why you should seek expert legal advice as soon as possible if an injury or illness prevents you from working in your normal capacity.

TPD Claims Lawyers are insurance claim specialists who can assist in filing an Income Protection claim on a 'No Win No Fee basis *'. This means you won't have to pay our fees unless we're successful in getting you the outcome that benefits you.

It is not uncommon for insurers to ignore their responsibilities and deny claims based on a prejudiced evaluation of the situation. We've encountered cases where the insurer engages a doctor to determine if the person is fit for work or attempts to terminate coverage due to non-disclosure.

Our expertise has shown that we can generally resolve these issues and achieve compensation for our clients, either through direct negotiation with the insurer or by court.

It's in your best interests to hire a professional to help you navigate this complicated area. Super funds and insurers, in our experience, often make it difficult for self-represented claimants to receive benefits to which they are entitled.

Important facts about Income Protection Insurance.

When you are unable to work due to illness or injury, income protection insurance provides you with a source of income. Here are facts about Income Protection Insurance:

Income protection is a regular payment made while you are unable to work (typically on a monthly basis)

There is typically a two-week to three-month waiting period to process your Income Protection claim

If you can only return to work part-time or in a lower-paying position, several income protection insurance plans can provide a supplement top-up.

The Income Protection Insurance covers payment is usually around 75% of your income.

Other sources of income, such as workers' compensation and Centrelink payments, usually lower your replacement income via Income Protection Insurance.

Why choose TPD Claims Lawyers?

We take the worry out of the process with decades of knowledge and the expertise to assess your claim and bring it to a successful conclusion by cost-effective means. Learn more

 

No Win No Fee.

No money payable in most cases for legal fees and expenses unless and until there's a successful outcome.

It’s about you.

Happy and satisfied clients are what our terms of service are designed to achieve.

Efficient & Effective.

Up-to-the-minute technology means we can guarantee your claim is conducted quickly and transparently.

Get free claim advice
OR
Call us

Life insurance/Death Benefit claim process

Please note, every TPD insurance claim is different due to the individual circumstances of the deceased, family circumstances, policy complexity and the superannuation fund involved. The information on this site is general TPD claim information only.

Process

Compile Initial TPD Claim Information

Proper claim preparation demands meticulous attention to detail. That's why we collect all the facts from you right from the start. The quicker we receive this information and signed information releases from you, the quicker your claim can be lodged.

Process

Obtaining your Individual Policy Documents

Once you have provided all the information we require and signed authorities, we will request your superannuation fund provide the relevant policy documents and policy benefit particulars.

Process

Review of your Policy

Each and every policy document is unique and requires a thorough review. We undertake a careful analysis of your individual policy documents and provide claim advice and the criteria you are required to meet for a successful claim.

Process

Complete your Initial Claim

We will complete an in-depth and accurate claim submission on your behalf. The submission is based on the information provided by you and that sourced by us. It is important that you fully & frankly inform us of all employment, education and training you have undertaken.

Most superannuation funds require a certificate from two separate treating medical practitioners certifying that you are totally and permanently disabled and in some circumstances, a certificate from your employer.

Process

Lodging your TPD claim

We will compile all medical evidence and make submissions to your super fund in support of your claim for TPD. You may be required to undergo an independent medical assessment by a specialist nominated by the fund to certify you as TPD. Once your claim has been received by the fund, they should provide an estimate on how long it will take them to reach a decision.

What documents/information do you need for an Income Protection claima?

Superannuation fund details

Details regarding your superannuation policies, such as the fund name and membership number (if available), and whether you arranged the insurance privately or had it prepared for you by your employer.

Injury/illness details

All injuries or illnesses that may impair your ability to work should be mentioned. We'll also need the names and phone numbers of any medical providers you've seen for the condition(s).

Your work history

As far back as you can remember, detail your employment history. We'll also need to know the last time you worked.

Your education and training

Details about your education and training, as well as any current licences. We'll also need to know how competent you are with a computer.

Any other Claims

Any other claims you've made as a result of your illness or injury, such as workers' compensation or income protection.

Contact TPD Claims Lawyers

Every client has the right to a free case review at TPD Claims Lawyers. Simply call our office or complete the online form below to receive a free case review for any total disablement superannuation claims.

Online Now

Welcome to TPD Claims Lawyers! I'm here to assist with enquiries and gather details. How can I help today?