Learn the types of cover available and what's right for you
If you have super, you might be eligible for TPD and income protection cover. Firths can help.
Firths are leading NSW Compensation & Total and Permanent Disablement (TPD) Lawyers based in Sydney. They offer a free claim assessment for personal injury claims related to:
- Total Permanent Disablement (TPD)
- Income Protection
If you think you're eligible for TPD or income protection, Firths might be able to help.
What do Firths offer?
Have you ever been a member of any super fund? If so, you may already have insurance cover for Total and Permanent Disablement (TPD) or income protection insurance. This is often included in your superannuation and sometimes can cover you for hundreds of thousands of dollars. If you've been forced to give up work due to sickness or illness, you can get in touch with Firths and they'll find out if you're eligible for cover.
If your claim is rejected, it doesn't necessarily mean you're out of options. Firths also handle declined claims and can help you challenge decisions made by insurers. They're no-win, no-fee, meaning if your compensation claim is unsuccessful you don't have to pay back anything. They also offer a lump sum fixed quote. This means they will provide you a quote for their legal fees and stick to it.
Firths TPD insurance and income protection
If you've been injured or have an illness that prevents you from returning to work, Total and Permanent Disability (TPD) Insurance can pay you a lump sum of money. You can take out TPD with life Insurance, or as a standalone product.
In many circumstances, superannuation funds provide TPD insurance cover, so long as you have above a certain amount in your super fund. Many people have several super funds and they may include TPD cover in them. Superannuation funds also sometimes take out income protection insurance for their members, meaning you might be eligible for cover and not know it. Firths are set up to help you find out and make a successful claim.
Who qualifies for cover?
To find out if you qualify for help with Firth, check out the following eligibility criteria:
Have you ever been a member of any super fund?
Firths only accepts you if you have been a member of a super fund. If you don't currently have super, it doesn't mean you're not eligible. Even though you may not have a current super fund, you might still have had a super fund in the past when you ceased work, which means you likely had cover.
If you are a member of different funds, you might have cover under each of these funds with the potential to make multiple claims. Firths can investigate to see if you do have cover and can make these claims.
When did your injury or illness occur?
For Firth to accept your case, you must have been unable to work for at least 3 months. In a nutshell, you can claim if an injury or illness prevented you from working for 3 or 6 months, depending on your super fund
Which state did your injury occur and what age are you?
While Firth operates out of Sydney, they accept claims from all states. Firth only accepts people between 18 and 63 years old.
Other things you might want to know
Am I eligible for the National Disability Insurance Scheme (NDIS)?
The NDIS provides Australians under 65 years of age with financial support to comfortably live their lives. To qualify, you need to be permanently disabled and a permanent Australian resident. In many cases, the NDIS does not cover all your expenses so it's worth looking into TPD insurance as well.
What if I have more than one TPD policy?
You can make multiple claims if you have more than one TPD policy. It's common for Australians to have more than one superannuation funds that include separate TPD insurance policies. If you are unsure if your superannuation policies include TPD cover, you can contact Firths to find out.
Can I make a workers' compensation claim and TPD claim?
Yes, you're still able to make a TPD claim that should not impact your worker's compensation claim. Workers compensation is a statutory benefit, meaning your TPD insurance is not conditional on you only receiving compensation from a single institution.
You could be missing out on additional super returns.
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