Most people who are diagnosed with MS and have worked at some time during their life will be entitled to income protection and Total and Permanent Disability (TPD) benefits which they hold in their super if they stop working due to the symptoms of MS.
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TPD means “total and permanent disability”. It is a form of injury or illness insurance and is often available through your superannuation fund. Do I have TPD cover? Pretty much everyone who has worked has at least one super fund. Most super funds offer insurance cover for TPD and death.
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COVID is increasing job losses and reduction in hours. Ask us, for FREE, how this impacts TPD & income protection insurance in your super.
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It is well established that people with physical illnesses or injuries can claim Total and Permanent Disability (“TPD”) and other disability benefits. However, we are still often asked, can I claim a TPD benefit due to depression?
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In short, you can usually have a TPD claim with multiple funds (assuming you have insurance in each of those funds). Importantly however, the order in which you claim can have a significant impact on the outcome.
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If you're a member of a super fund, there is a very good chance that you'll have insurance in your super for Total and Permanent Disability (TPD) and death benefits. The policy may also provide benefits for Income Protection or Salary Continuance.
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