To make a TPD claim, injured people often start the process by contacting the policy provider through insurance company, or your insurance broker about your TPD claim.
- If your TPD insurance is a part of your superannuation fund. Please contact the super fund directly.
- If your TPD insurance is a part of your employment arrangement. It is important to speak to the employer who take out the policy on your behalf.
In most TPD policies the person making a claim needs to show that on the balance of probabilities because of their disease, accident, injury or illness that they will permanently and totally disabled from returning the job that they had before the disease, accident, injury or illness or any other employment you have education, training or experience in
Some TPD policies are occupation specific, and the insurer agrees to pay your TPD benefit if permanently and totally disabled from working in a specific occupation.