Permanent injury is that which impairs the physical or mental ability of a person to perform regular tasks. New South Wales compensation law has established guidelines for evaluating permanent injury compensation claims based on the degree of impairment suffered.
Most people are able to make a TPD claim through the TPD insurance cover included with their superannuation.
If you have been injured either mentally or physically and you are no longer able to work in your normal occupation or any other job related to your training or experience, then you may be able to make a TPD compensation claim.
Total and permanent disability doesn’t mean you are unable to work, it means you can no longer work in the industry, or perform a job for which you are skilled. For example, a builder who suffers a severe back injury may be eligible to make a TPD claim.
What do you get if your claim is approved?
If your TPD claim is approved, you will be paid a predetermined lump sum under the insurance policy. Income replacement claims usually entitle you to up to 75% of your weekly wage. The length of time you receive your cover for could range from a year to until you are of retirement age (around 65), depending upon the terms of the policy
Each policy differs, so it is important to research your superannuation and understand what’s included and how it works. To get the best possible outcome in terms of claim compensation it’s best to enlist the help of an expert compensation lawyer to assess your superannuation policy to determine what level of cover your policy provides, and then to assist in making your claim.
How Taylor & Scott Compensation Lawyers can assist
Our expert team is led by Ray McClenahan (Partner & Accredited Specialist) and Michelle Meigan (Senior Associate of the Firm). Combined they have over 40 years of experience acting for sick and injured workers and can provide you with a Free Case Assessment.
No matter where you live in NSW, Taylor & Scott compensation lawyers can help, so contact the experts on 1800 600 664 or complete the Contact Form on this page.