Here are a few case studies that may help to explain what a TPD claim is.
Please note that there are many variations of circumstances that make up a TPD claim, so contact us to discuss your unique situation.
The self employed mechanic
Joe is a 48 year old self-employed mechanic running a successful business and is married with four children. Within the business he is involved in 20% manual work, 30% supervision of other mechanics and 50% administration work.
Joe was involved in a motor vehicle accident and injured his right arm and leg. The arm was fractured in the accident and he was unable to move his arm for three months. Joe is right hand dominant.
Joe contacted Trilby Misso to discuss his situation. Thankfully, Joe had an up to date superannuation policy with a TPD Benefit with an "any occupation" definition.
Medically, Joe's claim is valid as a result of the severe medical trigger and permanent nature of the injury.
The definition of "any occupation" needed to be looked at because although he can't participate in the 20% manual work, he is still able to perform the 80% administrative and supervision duties.
Unfortunately in Joe's case, as he is still able to complete 80% of his duties, Joe's claim would not meet the definition of "any occupation" TPD. However if Joe's workload was 100% manual work and he was untrained or not qualified for any other occupation then he would have a valid TPD Claim.
Jenny is a Registered Nurse and has been working for Queensland Health for several years. At 52 years of age, Jenny was diagnosed with breast cancer and although her prognosis was good she decided to take early retirement to focus on her health.
When Jenny made this decision she spoke to Trilby Misso about her situation and they determined she was covered under a Government Superannuation Scheme for Invalidity Cover (also known as TPD).
Under the government scheme, Trilby Misso can assist Jenny to make a claim for invalidity retirement benefits (TPD). The trustee of the Government Superannuation Scheme will make a decision as to whether or not they accept Jenny's claim on the basis of medical evidence presented.
The transport worker
Katharine had been employed in the transport industry for approximately 15 years when she was forced to stop working after she was diagnosed with fibromyalgia and chronic fatigue syndrome.
Some 11 years after she ceased working, Katharine contacted Trilby Misso who made her aware that she was still able to make a claim for TPD under her superannuation fund.
Katharine's claim was initially rejected by her superannuation fund but after some perseverance and support from her legal team the claim was finally accepted.
Katharine received a lump sum amount to enable her to secure her financial future.
The sales representative
Deon, a 23 year old man, worked for a national retailer as a sales representative.
He is married with two young children and has many household expenses.
Deon's doctor diagnosed him as having Multiple Sclerosis (MS) when he began feeling extremely tired. Soon after this diagnosis he resigned from his position at the retailer as he was unable to handle the physical workload required in his role.
Deon was never made aware that he could make a TPD claim under his superannuation policy. It was by accident, that he heard somebody talking about superannuation and the insurance attached to it.
Deon decided to seek Trilby Misso's advice and look into whether or not he could make a claim.
Thankfully, Deon had TPD cover attached to his superannuation and was able to make a claim. The trustee for the superannuation fund accepted his claim and made a lump sum payment that has made life easier for him and his family.