If you have been diagnosed with a terminal illness or suffered an injury at work that has made you incapable of working, you may be eligible for TPD compensation.
This article will explain how to check TPD compensation eligibility and what to do if you want to make a claim. You can also consider getting the help of a lawyer. A qualified lawyer on your side can significantly increase your chances of success, so be sure to contact one as soon as possible.
What is TPD Compensation?
Total and Permanent Disability (TPD) insurance benefits policyholders who can no longer work due to an injury or illness. These benefits can help cover the costs of living expenses and medical bills.
In order to be eligible for TPD compensation, you must first meet the definition of “totally and permanently disabled,” as defined in the policy.
There are two TPD definitions: “own occupation” and “any occupation.”
- a) Own Occupation: The policyholder is considered disabled if they cannot return to their usual occupation.
- b) Any Occupation: When the policyholder cannot work in any occupation for which they are reasonably suited by education, training, or experience.
Most policies use the “own occupation” definition, but some may use “any occupation.”
If you are unsure which definition your policy uses, you should check with your lawyer.
Other Eligibility Criteria
In order to be eligible for a TPD claim, you must meet specific other criteria. For example, you must:
-Be an employee of the company at the time of your injury (or, in some cases, a former employee who is still within their notice period)
-Have been working for the organization for at least 12 months.
-Have been injured while performing your duties as an employee.
If you meet these criteria, you may be eligible to make a TPD claim. However, it is crucial to note that each case is unique, and you should always speak to a lawyer to get advice that is specific to your situation.
Benefits of Hiring a Lawyer for TPD Compensation
- Better Chance of Success
Having an expert on your side gives you a better chance of success. In the event of an accident or injury, the last thing you want to deal with is legal paperwork and insurance company disputes.
This is where a lawyer can help. An expert lawyer will know how to navigate the complex legal system and give you the best chance of success in your claim.
- In-Depth Knowledge of The Process and How to Make a Claim
Total and Permanent Disability compensation eligibility filing involves a lot of paperwork, and you will be required to provide extensive documentation to support your claim. It can be a daunting and time-consuming task, especially if you already struggle with health.
A lawyer can take care of this for you, providing peace of mind during what is likely a very stressful time. These legal representatives have an in-depth knowledge of the entire process and know how to make a claim effectively.
Final Thoughts
No matter if you have just begun contemplating a TPD claim or have already begun the process and been unsuccessful, it is vital to seek legal advice as soon as you can.
This is important as it would reduce the scope of error in the filing process and allow you the mental and physical rest that you need after securing an injury. By hiring a lawyer sooner rather than later, you can significantly enhance your chances of success.
