If you’ve received a diagnosis of Parkinson’s disease, you’re probably well aware of how it might affect your future. You may have to cease work on a temporary or permanent basis as a result of the illness and how it affects your ability to carry out day-to-day tasks.
If you are forced to quit work as a result of suffering from Parkinson’s disease, you may be entitled to make a claim for TPD insurance benefits or income protection if these are currently held in your insurance policy (such as your superannuation).
Parkinson’s disease is often characterized differently in different people, and the condition presents many symptoms on a case-by-case basis, some more serious than others. Treatment for Parkinson’s disease is usually effective, but due to your condition, you may still have a reduced capability to go about your normal life.
TPD Insurance Options
You can work with your doctor to reach a conclusion about whether you’ll be able to continue working as you currently do, or previously did, now that you suffer from Parkinson’s disease.
Whether you have to temporarily take time away from your job to receive treatment, or you need to reduce your hours or cease work altogether, you may be eligible to access your superannuation benefits – providing you have insurance cover.
The Total and Permanent Disability Claims Process
Claiming for either TPD insurance or income protection can be quite a complex and lengthy process, but it is possible to successfully make a claim if you suffer from Parkinson’s disease.
To be successful in receiving TPD benefits, you’ll have to prove to your insurance cover that the symptoms caused by your Parkinson’s disease have left you in a condition that permanently prevents you from doing the job that you’re qualified to do. You might also have to prove that the symptoms related to your illness even prevent you from doing a similar job that you could be trained to do.
To support your claim, you’ll have to provide a number of important documents, including medical evidence of your illness from the doctor or specialist who is treating you. Your GP and your neurologist will provide information on how your Parkinson’s disease will affect your capacity to work throughout the rest of your life.
We’re Here To Help
Getting diagnosed with Parkinson’s disease is a big enough change to adjust to, and the prospect of not going to work as a result of your disease probably brings extra stress into your life.
Claiming for a TPD or income protection insurance payout isn’t often designed to be the easiest process. There will be terms and conditions in your policy that’ll leave you scratching your head, and even problems you’ll have to solve – but you don’t have to go through it alone.
Your health is your priority, and, as experts in superannuation and insurance claims, we can help. We’ll do the hard work for you, offering advice and ensuring you have the highest chance of success, while you focus on managing your disease.
Get in contact today to learn more about how we can support you, and we’ll get back to you to discuss a free consultation.