Because of the potential complexity of these claims and the general rejection culture of the industry, we recommend getting initial legal advice before applying.

We also strongly recommend that you do not get advice from your accountant or financial advisor, or accept their help in making these applications.  Meeting the legal criteria to qualify for a claim is a legal task and requires legal skill and knowledge.  Only lawyers can do legal work, give advice and provide legal representation.  Your financial advisor or accountant are not lawyers and importantly, they aren’t insured for legal work.

We offer initial free consultations on any TPD insurance claims and superannuation insurance claims enquiries.

If your injury or illness does not meet the policy criteria in an obvious way, we will recommend that you engage our help.

If your injury and/or illness is going to easily meet the policy criteria, we will let you know that and suggest that you do not need a lawyer. We will probably make some general recommendations on things you might want to submit with your application. If you want to engage a TPD lawyer anyway, that is a choice for you.

The important thing to be aware of with any claim under a Superannuation or disability insurance policy is that you need to make sure when lodging your application that all of the evidence supporting your application is submitted with your application. It is hard to have the Insurer consider new evidence after they have already rejected your application.  This is the mistake often made by financial advisors.

You may not get a second chance to present supportive and new evidence after your application is rejected.

Insurance applications are not personal injury claims. They are claims made under contracts of insurance and are governed by the Insurance Contracts Insurance Act 1984 and common law principals about contract law, equity and trusts also apply.