If you’ve been injured in a car accident and are unable to work, you may be entitled to make a Total and Permanent Disability (TPD) claim.
Even if you don’t have private insurance, many Australians are covered because most superannuation funds include TPD insurance automatically.
At Morgan Clifford Legal Services, we often help people understand how TPD claims work, especially when injuries result from car accidents.
What Is TPD Insurance Through Super?
TPD insurance provides a lump sum payment to people who are permanently unable to work due to serious injury or illness.
For the average Australian, this insurance is often included as part of your superannuation fund.
When you join a super fund, you may automatically receive TPD cover. This means that even if you have never purchased a separate policy, you could still be eligible for a TPD claim if you suffer a serious injury, including one caused by a car accident.
Who Can Claim TPD Through Super?
To make a TPD claim through your superannuation, you generally need to meet your fund’s definition of total and permanent disability. This usually requires that you:
- Are unable to continue working in your usual occupation, or
- Are unable to work in any occupation suited to your education, training, or experience
In the case of a car accident, if your injuries prevent you from returning to work permanently, you may meet this definition. Medical evidence, including reports from your doctors or specialists, will be necessary to support your claim.
How a TPD Claim Works After a Car Accident
Here’s a simplified outline of the process:
- Notify Your Super Fund: Contact your superannuation fund as soon as possible to advise them of your injury and your intention to make a TPD claim.
- Provide Medical Evidence: You’ll need medical documentation showing that your injuries are permanent and prevent you from returning to work. Hospital records, specialist reports, and rehabilitation assessments are commonly used.
- Submit Accident Details: Include information about the car accident, such as police reports, hospital admission details, and any other relevant records.
- Assessment by the Insurer: Your super fund’s insurer will review your medical evidence and may request additional reports or occupational assessments to determine if you meet the TPD criteria.
- Decision: If approved, you receive a lump sum payment from the TPD insurance. If your claim is denied, you can request a review, or seek legal guidance to explore your options.
Even though your injury resulted from a car accident, the focus of a TPD claim is on your ability to work permanently, not the accident itself.
What the Lump Sum Can Cover
A TPD payout can provide financial security while you adjust to your new circumstances. It may help cover:
- Ongoing medical and rehabilitation costs
- Daily living expenses such as rent, mortgage, or utilities
- Lifestyle adjustments, including mobility aids or home modifications
- Debt repayments or financial obligations
The amount you receive depends on your super fund’s insurance coverage and the terms of your policy.
Why Seeking Advice Can Help
TPD claims can be complex, especially when injuries are serious or result from a car accident. Having a lawyer can make a difference in:
- Understanding your rights and eligibility
- Preparing and submitting medical and accident documentation correctly
- Communicating with your super fund and insurer
- Advising on options if your claim is initially denied
At Morgan Clifford Legal Services, we guide clients through the TPD claim process from start to finish, helping them focus on recovery while we handle the legal and administrative aspects.
Getting Help With a TPD Claim
If you’ve been seriously injured in a car accident and are permanently unable to work, a TPD claim through your superannuation could provide vital financial support. Even if you never purchased private insurance, your super fund may already cover you.
Contact Morgan Clifford Legal Services to discuss your situation. We can help ensure your TPD claim is prepared properly, increasing your chances of a successful outcome and helping you access the support you need.
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