Suffering an illness or injury that renders you unable to work can be a devastating and life altering ordeal for you and your family, particularly if you do not have insurance.
However, you may be entitled to make a claim for total and permanent disablement (TPD) or income protection through your superannuation fund.
Many Superannuation funds include these types of insurance for members by default and it may be that you are covered without actually being aware.
If you are injured, regardless of the circumstances of the injury, you may be entitled to make a claim, even if you are also entitled to make a claim under another scheme, like workers compensation or CTP insurance.
Further, you may be entitled to make a TPD claim even if you have the capacity to work, but your injury or illness prevents you working in your current occupation. For example, a bricklayer injures his shoulder and can no longer work in the building industry but is able to retrain in another field. Depending on the policy, he may be entitled to make a TPD claim.
Contact me to ensure that you receive the maximum compensation if you are injured.
If you would like James to address a particular legal issue, send your request to james.blaxland@ticliblaxland.com.au
This article is intended to be for information and educational purposes only and cannot be relied upon as legal advice. The information may not apply to your circumstances or to your particular situation. If you need specific advice or you have any questions, we welcome you to contact us directly.
