Total and Permanent Disablement (TPD) insurance can be an important resource for people suffering from back injuries that stop them from resuming work. If a back injury leads to a total and permanent disability, the individual may be eligible to claim a lump sum payment from their superannuation fund. The financial support they get can help cover medical, rehabilitation, and everyday living expenses.
To make a TPD claim due to a back injury, one must prove that they cannot work in their usual job or any other job for which they are suited by education, training, or experience due to the back injury. This assessment often involves medical documentation detailing the extent of the injury and its impact on the person’s daily life.
It is not necessary to make a TPD claim only if the injury resulted from an accident or workplace incident. Those suffering from chronic back issues or injuries from trauma can also make a TPD claim.
The claims for this kind of issue can be complex. Seeking legal assistance is advisable. Lawyers specialising in TPD claims can guide eligibility requirements, prepare the necessary documentation, and help ensure a successful submission, offering free initial consultations to evaluate the potential for a claim. This support can significantly ease the financial burden faced by individuals unable to work due to debilitating back injuries.
What qualifies as a back injury?
Any harm to the spinal column or to the muscles, tendons, nerves, and ligaments that support this important area of the body is commonly referred to as a back injury. Accidents involving heavy or uncomfortable lifting, falls, repeated motions, and prolonged desk work with inadequate support can all result in spinal injuries.
The process of filing a Total and TPD claim in Australia can vary depending on the type of the claim. However, some general steps are typically followed including back injury claims.
Notify your insurer
The first thing you need to do is to inform your insurer about the claim. You can either write them an email or just just call or message them.
Assessing the claim
The insurer will review the claim after the forms are filled out and returned. Typically, this entails requesting medical records from the claimant’s attending physicians. To learn more about the claimant’s employment history and responsibilities, the insurer might also get in touch with their employer.
Decision
The insurer will make a decision about your back injury claim, and after your claim is accepted you will be paid a lump sum amount.
Appeal
If your claim is rejected you can appeal against the decision. You can reaccess the mistakes made in your earlier claim to avoid your TPD claim being rejected again.
What is the time frame for a TPD claim for a back injury?
The total process of a TPD claim can take between 26 to 78 weeks, which means it can take 6 to 18 months to receive the lump sum amount against your claim. If not done correctly, the process can be extended further.
Read more: What is the Compensation for Personal Injury?
Contact United Legal Canberra with all your questions regarding personal injury claims including Back inury Claims Australia. We will help you get most of your claim! Talk to our representative today for a free consultation. We will review your insurance needs and take prompt action on your behalf. For more information, call us at (02) 8355 907483 or email us at admin@unitedlegal.com.au. Scheduling an appointment takes just a few minutes.
