A heart attack is caused by compromised blood flow to the heart – usually a result of a blocked artery. This prevents enough oxygen from getting to the heart, causing the heart muscle to become damaged and, in some cases, die. A stroke is another life-threatening condition that cuts off the blood supply to your brain, which is usually caused when a blood clot blocks blood flow.
If you have recently had a heart attack or stroke, your GP can provide advice on whether or not you can return to work. However, after making important considerations about whether or not you could still work with adjustments to your job role, whether you could manage your journey into work, and similar factors, your doctor may advise that you take early retirement.
TPD Claims For Heart Attack And Stroke
Many people have successfully made a total and permanent disability claim for a heart attack or stroke, and, depending on your circumstances, you may also be eligible for permanent disability benefits.
You can make a TPD claim for a heart attack or stroke as well as receiving your super early. This form of insurance is most suited to people who can no longer work again because of a critical illness, injury or disease.
Anyone who is unable to work because of a heart attack or stroke is eligible for a lump sum payment from the total & permanent disability life insurance cover in their super fund. You don’t have to be suffering from a critical illness or disease to make the claim – you just need to prove that your condition prevents you from being able to work in your usual occupation that you have training or education for.
Are You Eligible To Make a Claim?
You may be able to make a TPD claim if, to begin with, your total and permanent disability insurance cover is provided under your super. Your insurer will also consider:
- Whether or not a healthcare professional, such as a doctor or a medical specialist, supports your claim.
- What type of treatment you have received from your doctor, and how long you’ll need to take this treatment for.
- Whether or not your condition or disease can be considered permanent.
- Whether you may still be able to perform duties at your current workplace if adjustments are made, or if you relocate to another workplace.
Support From Us
Understanding a TPD insurance policy is difficult for those who don’t have training or knowledge in the area. Our advisors can help you to get the best chance of a successful submission, supporting you through the claims process and ensuring you have all the relevant paperwork and documentation to support your claim.
We can advise you on the likely success of your claim, and unlike some solicitors, we’re fair with our fees – we charge a low, flat fee that is only payable once the claim has been accepted. Contact us for a free consultation today.