Total and Permanent Disability Insurance Covers You If You Can’t Work
If you’re injured or have an illness that makes it impossible for you to work again, total and permanent disability insurance can give you and your family financial protection.
Most total and permanent disability insurance claims often involve a dispute about whether you can continue working eventually or not. In some cases, it’s fairly straight forward For example if you’re a quadriplegic it may be quite obvious from the outset whether or not you’ll be able to continue working. But most cases can be more complex and it isn’t always clear whether or not you’ll ever be able to return to work.
In most cases, a claim for total and permanent disability insurance will be made through your superannuation fund. This means that your superannuation fund and insurer will both probably investigate your claim. Every claim will need to be investigated, so there’s no need to be alarmed. They’ll need to make reasonable enquiries so that they can properly decide your claim.
The actual claims process shouldn’t feel like a dispute or an “us versus them” process. You don’t have to prove your claim, in fact the onus is on your insurer and superannuation fund to properly investigate your claim so they can make a fully informed decision. They also can’t delay their decision unnecessarily. Under the law they must make a decision reasonably quickly so you can have some certainty.