Occasionally, we have people tell us that they don’t want to claim their TPD or income protection insurance benefits because they are concerned that doing so will cost their employer money or otherwise impact them.
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We understand that some personal injury law firms that dabble in super TPD work advise clients to wait until the WorkCover claims have finished before lodging a TPD claim or income protection claim. However, in our experience, it is seldom necessary to wait until a WorkCover claim has been resolved before making a TPD claim.
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A new Life Insurance Code of Practice was introduced in Australia in December 2023. The Life Code of Practice is a voluntary code of “best practice” principles developed by the life insurance industry. Most major life insurers are subscribers to the Life Code.
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Trevor (pseudonym) came to us at the end of 2021 because he had tried to return to work after a period of being unable to work due to mental illness and drug addiction. He was ultimately unable to hold down a job. His mental health eventually led to his incarceration. We helped Trevor claim on his TPD and income protection insurance, years after he stopped working.
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If you need to take time off work, or stop work altogether, due to epilepsy, you can claim on any TPD or income protection insurance you may have, either inside or outside super.
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If you cease work due to an illness or injury and lodge a TPD claim, your insurer may ask you for detailed employment information at the beginning of the claim to determine the average hours you worked prior to ceasing work. Some TPD insurance policies will use a "minimum average hours” definition when assessing your claim
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