How to claim TPD Australian Super Policy?

If you are unable to work due to an illness, an injury, or a disability, you might have a right to make a superannuation claim via the TPD Australian Super program. Unlike other claims, the TPD process can be particularly tedious, as it hinges on your ability to never work again. However, understanding the process and TPD definitions can be the difference between a smooth claim process and a frustrating one. 

Check Your Superannuation Fund for TPD Cover

Most superannuation funds in Australia have a superannuation and a TPD insurance policy by default. The first step would have to be to determine if this applies to you, and to do this you should look at your most recent super statement or reach out to your super fund to determine the following:

• If you have TPD insurance cover at all
• If your policy’s definition of TPD is specific to an occupation, or general to any occupation
• When your cover was initiated

It is worth noting this detail because you need to have had TPD insurance when you stopped working because of your health.

Understand Your TPD Definition

There are rules that each fund has. Some policies state that you must not be able to return to your own occupation, while other policies state that you must be unable to work at any occupation you are appropriately qualified for. Knowing this definition enables you to know what evidence you will need.  

Gather Medical Evidence

Strong medical evidence is critical for a successful TPD Australian Super claim. You will need:  

• Your GP and specialists’ reports  
• Treatment history  
• Diagnosis and prognosis  
• Assessments of work capacity  

Medical evidence will be what the insurer relies on to determine whether your condition is permanent.

Complete the Claim Forms

Your superannuation fund will send specific forms for the TPD claim, typically:

• Claimant's statement
• Employer statement
• Medical practitioner forms

To avoid delays or a rejection, ensure these forms are filled out correctly.

Submit Your Claim and Supporting Documents

The minute you submit the forms to your insurer, the assessment clock starts. That clock runs for a couple of months or more, because the insurer will normally ask for:

• Additional medical reports
• Requests for clarification
• Independent medical assessments

Await the Insurer’s Decision

If the TPD claim is accepted, the benefit will be deposited into your superannuation account. The account may be accessible after that, depending on the rules governing superannuation account withdrawal.

Need Help With Your TPD Claim?

WKB Lawyers is specialized in TPD Australian Super claims, with more than 678 TPD claims approved since 2020 valued at $265 million, and we are still obtaining more approved claims.

Why Australians Choose WKB Lawyers

• Assistance from genuine, compassionate individuals – you always have the opportunity to converse with a genuine person
• Over 35 years of collective legal experience
• Pre-payment free, fixed “Win or no fee” agreement
• Personalized recommendations and tactical direction
• Complete claim support, including claim denials

Consult with WKB lawyers’ Tpd Super Claim  experts today if you need help understanding the process or want to maximize your benefits.