A Guide to Total and Permanent Disability Benefits
Total and Permanent Disability Benefits are also commonly referred to as TPD benefits and they are usually provided as monthly payment sums. You are eligible for a TPD payment if you are unable to do the job that you are trained to do due to the disability you have. This doesn’t mean that you are unable to do any job, but it does mean that the disability means you are unable to do the job you are skilled to do. Maurice Blackburn TPD benefits lawyers specialise in the law that surround this area and they will be able to offer you advice about whether or not you are entitled to make a claim.
There are two different types of benefits you can claim under the employment super funds disability benefits, namely:
Total and Permanent Disability (TPD)
There are time limits put onto claims like this and you will need to seek out legal advice if you are unsure if you can still make a claim.
If you want to know more about making a claim for TPD benefits, you will need to contact a lawyer to make an appointment to have a consultation. A good example of the type of case that might entitle you to make a claim is if you have a bad back that stops you from working in a factory. This means you can make a claim for TPD even if your doctor says you are ok to conduct an office-based job.
Total and Temporary Disability claims can be claimed when you are unable to do your skilled job for a temporary period of time. It doesn’t matter if this period of time is three weeks, three months or three years – you may still qualify for TTD payments.
These payments usually add up to around 75% of your regular income and here are some notable features of this type of benefit:
They are usually only payable for two years
These payments are usually only available to people under the age of 65
You will have to go through a waiting period that can be anything from 30 to 90 days
The disability doesn’t have to be caused by anything work related. For example, if you have had a heart attack, a road traffic accident, cancer or even a mental illness that affects your ability to work, you are still be entitled to make a claim for compensation.
Some benefits may be stopped if a different type of benefit is claimed. For example, a claim for TTD may turn into a claim for TPD if the disability worsens over time and this is something that any good lawyer that specialises in the sector will be able to offer you advice on.
If you think you might be entitled to make a claim for either TPD or TTD benefits, you will need to have a consultation with a lawyer to go through the details of your unique case.