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Income Protection & TPD

Are you seeking advice on Income Protection and TPD claims?

Secure Your Financial Future

At Barwick Boitano Lawyers, we understand the financial strain and uncertainty that can accompany a disability or illness that prevents you from working. If you’ve suffered a total and permanent disability or a temporary inability to work, our experienced team is here to guide you through the process of making TPD (Total and Permanent Disability) and IP (Income Protection) claims through your superannuation fund.
We recognize that navigating the complexities of these insurance claims can be overwhelming, and our approach is tailored to your specific circumstances. Our lawyers will work closely with you to understand the details of your situation, the terms of your insurance policies, and the eligibility criteria you must meet.
Our comprehensive TPD and IP claim services include:

  • Reviewing your insurance policies and assessing your eligibility for TPD and IP claims
  • Gathering and presenting relevant medical evidence, employment records, and supporting documentation
  • Liaising with your superannuation fund and insurer throughout the claim process
  • Advocating on your behalf to ensure a fair and thorough assessment of your claims
  • Representing you in disputes or legal proceedings if your claims are denied

We understand the financial burden and emotional toll that a disability or illness can have, and our goal is to secure the lump-sum payment or income protection benefits you are entitled to under your insurance policies. These benefits can provide much-needed financial support and peace of mind as you navigate this challenging period.
At Barwick Boitano Lawyers, we handle TPD and IP claims with the utmost professionalism and compassion. Our team will be by your side every step of the way, providing personalized advice and unwavering support throughout this process.
Don’t let a disability or illness jeopardize your financial security. Contact Barwick Boitano Lawyers today to schedule a consultation and take the first step towards securing the benefits you deserve.

Total and Permanent Disability (TPD) and Income Protection (IP) Claims in New South Wales (NSW)

In NSW, superannuation funds often provide insurance coverage for total and permanent disability (TPD) and income protection (IP) benefits. These insurance claims are governed by the terms and conditions of the specific insurance policies held within the superannuation fund.

Total and Permanent Disability (TPD) Claims:

  • TPD insurance provides a lump-sum payment if the insured member becomes totally and permanently disabled and unable to work again due to illness or injury.
  • Insurance policies define TPD based on specific criteria, such as the inability to work in any occupation or perform basic activities of daily living.
  • To qualify for a TPD claim, the insured member must meet the policy’s definition of TPD and satisfy any other eligibility requirements.

Income Protection (IP) Claims:

  • IP insurance provides regular income payments if the insured member becomes temporarily unable to work due to illness or injury.
  • Policies typically define the criteria for disability, such as the inability to perform the duties of their regular occupation or any occupation for which they are reasonably qualified.
  • IP claims may have waiting periods and benefit payment periods specified in the policy terms.

The key aspects of TPD and IP claims in NSW include:

  1. Claim process: The insured member must submit a claim to the superannuation fund, providing relevant medical evidence, employment records, and other supporting documentation as required by the insurer.
  2. Assessment and decision: The insurer will assess the claim based on the provided evidence and the policy terms, and make a decision to approve or deny the claim.
  3. Trustee’s role: The superannuation fund trustee is responsible for ensuring the claim is handled fairly and in accordance with the trust deed and relevant laws.
  4. Dispute resolution: If a TPD or IP claim is denied, the insured member may have the right to dispute the decision through internal complaint processes, external dispute resolution bodies, or legal action.

It’s crucial to seek legal advice and representation from experienced superannuation and insurance lawyers to navigate the complexities of TPD and IP claims, ensure compliance with legal requirements, and protect your rights and interests throughout the process.

Facing financial hardship due to illness or injury? Our experienced team can guide you through the process of making an income protection claim through your superannuation fund, ensuring you receive the benefits you’re entitled to.

Have you suffered a disability that prevents you from working? Our knowledgeable lawyers can assist you in navigating the complexities of making total and permanent disability (TPD) and income protection (IP) claims through your superannuation fund.

If you’ve been diagnosed with a permanent disability that prevents you from returning to work, our skilled professionals can help you pursue a total and permanent disability (TPD) claim through your superannuation fund, securing the financial support you need.