The definition of total and permanent disability differs slightly depending on your superannuation fund. The product disclosure statement will provide a definition for you of exactly what types of injuries and illnesses constitute TPD. Your superannuation fund will assess the type and extent of your injuries or illness, and the impact of this on your ability to work. If you are no longer able to perform your previous job, or any other suitable job that relates to your education and work experience, then you may qualify for a Super TPD lump sum payment.
If you are no longer able to perform your normal work duties full time, and are unable to work in a role that is related to your education and experience, then you may qualify for a Super TPD payout. Each superannuation fund does have a slightly different definition of TPD, and they will investigate your claim in order to determine if you qualify.
You may need to supply a lot of evidence in order to support your claim. The most important evidence will be medical reports that detail the extent and nature of your injuries or illness. We understand that you may be suffering a lot of pain and stress, and dealing with the legal process can add to that. Our lawyers can help you to compile the necessary evidence in order to ensure that your claim is accepted.
A Superannuation TPD lump sum payout is paid in addition to any weekly or monthly benefits you may be receiving for your injuries or illness. These payments are designed to ensure that you have enough funding to cover any medical expenses, loss of income and greater than normal costs of living that have accrued as a result of your injuries, and inability to work.
Suffering a catastrophic injury or life threatening illness is normally very devastating. Your focus should be on your health and quality of life. You don't want to be thinking about how you're going to pay the next medical bill, or your weekly living expenses. And you don't want to have to deal with the legal process of filing a compensation claim. Thurlows Compensation Lawyers are compassionate, and dedicated to your matter. We can handle the whole process of filing these types of claims, ensuring that you have the peace of mind to focus on your recovery.