Project Description

Total & Permanent Disablement

Total and Permanent Disablement

If you’re injured or have an illness that means you can’t work again, you may find yourself in financial difficulties. That’s why many people take out total and permanent disability insurance. It can give you an income that’s similar to what you would’ve earned if you’d died because of the injury or illness. When you die, life insurance is there to support your family and total and permanent disability insurance is there to cover you and your family while you’re still alive.

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    Our dedicated team in Parramatta and Fairfield personal injury lawyers understand just how difficult it can be to come to terms with your injury and illness. At this stressful time, we can guide you so you save time and make decisions quickly. We can help you:

    • Understand what your rights and options are.
    • Complete and lodge your total and permanent disability claim.
    • Make sure that you have all the correct paperwork and it’s submitted with your claim.
    • Make sure all of your lodgement forms are completed in the exact way your superannuation funds needs them.
    • Make sure your lodgement forms are completed exactly as required by your superannuation fund.
    • Represent you in Court if your claim is denied or disputed.
    • Negotiate your claim if there is a dispute or issue with it.

    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.


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    John & Co Lawyers | Fairfield Lawyer | Variety of Practice Areas

    “I would just like to thank you for your hard work and understanding during a very stressful time for myself.I cannot thank you enough for the work and advice you provided.My assault and stalking and intimidation charges were heard by the Magistrate at Liverpool Court yesterday, Tuesday 16th. I pleaded guilty to the assault with the stalking being dropped prior by way of representations made by you. The Magistrate seen through the bullshit supplied by the Police facts sheet and I am happy to say no conviction was recorded. He stated it was “a molehill turned into a mountain by police”.John I would just like to say your professionalism on both of my criminal and family law matters was outstanding. I would go so far as to say its the best service I have ever had. Keep up the good work!!!”
    Josh P.

    John & Co Lawyers | Fairfield Lawyer | Variety of Practice Areas

    “I found John & Co lawyers to be there when I needed them. They were very quick to return my calls and emails which came about at random times. The team were very experienced and had high technical knowledge in family law that was required throughout the process. John will defend you and give you that encouragement to fight for your rights when you have lost all will power to defend yourself. John was very tough to stand up to the other side whilst achieving great results for my daughter and I. I highly recommend their services.”
    Nikky R.

    John & Co Lawyers | Fairfield Lawyer | Variety of Practice Areas

    “Highly recommend this law firm to anyone injured! John is the best personal injury lawyer. He is exceptionally knowledgeable in the law. He always kept me well informed and was readily available to answer all of my questions. John represented me for my workplace injury. From the very beginning I felt his genuine concern for my wellbeing and it showed throughout the case as he always returned my calls and explained the process step by step. My case settled in November 2018 for $690,000 clear in my hand. John & Co Lawyers gave me my life back, and for that I am forever grateful. John & his team are great lawyers, very professional and, made the process seamless for me.”
    Nenad A.

    John & Co Lawyers | Fairfield Lawyer | Variety of Practice Areas

    “I was absolutely astounded by the service provided by John and co lawers.  John went above and beyond to extend additional help with my case. Johns experience is second to none, His professionalism and sound advice was just what was needed. I would highly recommend his services to anyone with pressing family law matters. His warm personality made me feel like part of the family, as I could easily dissus any finer details with my case and he would take into consideration. If I have any cases in future he will be my first choice. Thanks again John your service is Highly appreciated. God bless you. 5 stars.”
    Shane T.