A total and permanent disability claim, known as a TPD for short, entitles you to a payment of an agreed-upon sum of money if you suffer a personal injury or illness that means you are unable to work going forward. This money should hopefully cover the cost of your living expenses and any medical bills related to your illness or injury.
If you have to deal with your own TPD claim, you may experience some difficulty. Your claim may be rejected, and when this happens, you might decide to give up.
Whilst lawyers can be a good option for handling your claim, you may feel more comfortable speaking to a consultant who has extensive experience in dealing with life insurance claims. This post will discuss everything you need to know about seeking help from a consultant, rather than a lawyer, for your TPD claim.
Why opt for a consultant over a lawyer?
Making a disability TPD claim is notoriously difficult. Luckily, there are experienced, supportive consultants who can help you to see the claim through, who offer the same services of a lawyer, often at a more affordable cost. A consultant can do several things to help you in the claims process, including:
Help you to understand your policy
Not all super funds and insurers lay out their rules and definitions of TPD in the same way. This may lead to confusion on your end when it comes to knowing whether you are liable to make a claim. A consultant who has dealt with life insurers for years can help you to understand what you are legally entitled to.
Ensuring that any evidence you need to support your claim is properly presented
An easy way for an insurance company to reject your insurance claim is to cite a lack of supporting evidence in your case. A knowledgeable consultant knows exactly which documents are required for claims, and can make sure all the relevant evidence is laid out in the right way, preventing an unnecessary rejection.
Providing you with their own professional knowledge of the TPD insurance system
Being so experienced in the industry means that a TPD consultant can offer their own expert insight into your case, and can ensure that you’re familiar with how the process generally unfolds. They can also offer their reassurance and support throughout the process, taking some of the strain away from you.
Ensuring that the claims process moves as quickly as possible
It’s common for an insurance provider to delay your TPD claim, dragging it out for many more months than is necessary. While your consultant doesn’t have a fast track through the process, they can ensure that the insurer doesn’t use tactics against you to stall for time.
Is a consultant essential?
You don’t need professional assistance to make a TPD insurance claim, but having a consultant behind you will help your case massively. You may not want to take such drastic action as hiring a lawyer, and in this case, a TPD consultant may be the better option for you.
At Life Matters Claims, our expert consultants are on hand to provide support to you when you could most do with our help. We’ll stand by your side until you are given access to the funds you are entitled to.