TPD CLAIM FOR TOTAL AND PERMANENT DISABILITY CLAIMS

ICS Claims Solutions team will assist you through the process of lodging your insurance claim


THERE IS NO FEE IF WE DONT WIN

Total and Permanent Disability

We specialise in Total and Permanent Disability Claims

Total and Permanent Disability (TPD) lump sum benefits can help cover:

Medical Expenses
Rehabilitation
Debt Repayments
Living Expenses

There is no standard definition of Total and Permanent Disability (TPD) claims, see the list below for injury and illness conditions that are generally covered by a TPD Claim.

Total and Permanent Disability (TPD) is an insurance benefit which you can claim if you are sick or injured (or both) and unable to work again. TPD benefits are usually available through your superannuation fund.

Policy waiting time after incident can be between 3 and 6 months.
Some TPD policies will have exclusions for pre-existing medical conditions.

Total and Permanent Disability (TPD) Insurance is generally used to cover debts and the ongoing living expenses of an individual to reduce the ongoing financial burden of loss of income.

TPD - General Claim Incidents

Alzheimer's Disease

Burns – Server/Major

Loss of Speech

Major Organ Transplant

Aplastic Anaemia

Cancer

Lung Disease – Chronic

Motor Neurone Disease

Coma

Deafness

Paraplegia

Quadriplegia

Coronary Artery Angio

Dementia

Parkinson's Disease

Stroke

Encephalitis - Hemiplegia

Liver Disease – Chronic

Peripheral Neuropathy

Out of Hospital

Heart Attack

HIV – Occupational Acquired

Blindness

Cardiomyopathy - Diplegia

Loss of Limbs or Eye

HIV – Accidental Infection

Cardiac Arrest

Major Head Trauma

Loss of Independence Existence

Multiple Sclerosis

Heart Valve Surgery

Aortic Surgery

Pulmonary Hypertension

Terminal Illness

Other..

Level of Disability

Some insurers will require a minimum level of disability for TPD Claims. They will look at the likelihood of you recovering from your disability.

1. You are unlikely to return to work.
2. Unlikely to return to your previous role.
3. You have lost a limb or your eyesight.

Is Your Cover Included?

Your TPD cover will typically fall under either an Own Occupation or an Any Occupations Definition cover.

TPD inside Super Policies only has "Any Occupation Definition", this is a broad definition that can be hard to prove sometimes. "Any Occupation Definition" is, when you are unlikely to ever be able to engage in any job, suited to your education or experience.

Waiting Periods

3 to 6 months continuous absence from work.

No waiting periods for some conditions such as major head trauma.

Minimum Work History

Some insurers will require you meet a minimum level of work before you are eligible.
Show 12 months of employment.
Full time work.
Minimum hours.

Your Ability to Perform

Your ability to perform “Daily Activities”.

For some policies you’re required to demonstrate an inability to perform a certain number of daily living activities.
Such as, bathing, dressing, walking unaided.

Ongoing Medical Care

Ongoing medical care.

Some policies require you to show ongoing medical care to improve your condition or to prevent further illness.
Like; rehabilitation and regular appointments.

ICS Are Here To Assist You

Our specialist team are on board to assist you through the processes and paperwork of your TPD claims, leaving you the time to concentrate on your own wellbeing.

Total and Permanent Disability claim benefits are paid out to you as a lump sum – this payment is combined of your personal and employer superannuation contributions and an insured component.