You will need to understand the TPD super claim definition to see if you may qualify. This can be complicated and will require a good understanding before you decide to make a TPD claim.

There are many types of definitions depending on circumstances and your superannuation fund, but most people are assessed under this criteria:

• Ceased work because of injury or illness;
• Have not been able to work for either 3 or 6 consecutive months; and
• To prove with medical evidence, that you are unlikely ever to return to work that you are reasonably suited to within your education, training or experience.

You can request the policy document from your superannuation fund or see my video here.

You must provide the insurer and your superannuation fund with evidence, such as the initial claim form, Certified ID, a signed authority, and 2 medical reports from your treating doctors, that supports that you can no longer work in an occupation for which you are reasonably suited by way of education, training or experience due total permanent injury or illness. In other words, your resume.

The medical evidence should show that you are totally permanently disabled from returning back to work.

The 2 medical reports are very important, they need to confirm you are totally permanently disabled from returning back to work.

You will need to review these once received to make sure all the right boxes are ticked, and is supportive. If the reports do not support TPD, then give us a call on 1800 865 225 to discuss.

Often a lot more information is requested including but not limited to:

1. Clinical notes from all your treating doctors;
2. Your statutory benefits claim file if you were on Workcover or receiving benefits under a CTP scheme;
3. Information from your employer in the form of employer statement;
4. If self-employed, your BAS, business tax returns, and payslips;
5. ATO Records;
6. Medicare Records; and
7. Centrelink Records.

If you do not meet preservation age, then you will more than likely pay tax on your withdrawal of super.

Superannuation funds have a complex formula when it comes to tax on the withdrawal of your TPD benefit and account balance.

WKB TPD Lawyers has partnerships with specialised Financial Planners who will provide you with a free consultation, to discuss your tax, Centrelink and/or NDIS options, when withdrawing your TPD lump sum benefit and account balance.

Once the TPD claim is lodged, it can take 6 to 24 months before the claim has been resolved.

WKB Lawyers, have a proven track record to reduce the time frames on your assessment time.

• Warren Bennett is the founder of WKB Lawyers and has had over 8 years’ experience working for Large, Medium and Boutique law firms solely advocating for injured and ill clients running TPD claims. Warren has also worked for a big insurer as senior legal counsel meaning he has had the advantage of working for both sides of the fence. However, it was Warren’s passion for helping injured and ill client’s which led him to open his firm solely running TPD claims.
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• WKB Lawyers will take the stress away from you, so you can concentrate on your treatment. The only thing you will need to do is sign some documents.
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• You will love our client service, we will return your call on the same day, and keep you regularly involved in your case.
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• All we do is TPD claims. We have knowledge, experience and expertise in TPD Claims that other firms don’t have.
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• We know the law and can explain it simplistic terms to you.
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• We are on your side.

If you have stopped work due to injury or illness and are unlikely to return to work within your education, training or experience, then you may be eligible to make a TPD claim. TPD claims can be approved on almost any condition/s that prevent you from returning to work. These conditions can be a Mental Illness, Anxiety, Depression, PTSD, Heart, Cardiomyopathy, Parkinson’s Disease, Cancer, Shoulder, Back, Leg, Foot, Ankle, Fibromyalgia and Rheumatoid Arthritis, just to name a few.

If you are considering submitting a claim, WKB Lawyers act on a No Win, No Fee Guarantee for all clients. You can be assured that:

• You will know how much you will pay from the outset;
• No hidden costs will be charged at the end of your claim
• No hidden costs will be charged at the end of your claim;
• No 25% uplift fee;
• No expenses for photocopying, printing and faxing;
• We don’t charge a percentage; and
• We don’t charge like a Personal Injury Law Firm because we are not one.

Our fixed fees will be determined on several factors including the strength and complexity of your case.

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1. Your TPD Lump sum benefit does not affect your Centrelink or your Workers Compensation payments. One you are approved for your TPD benefit, the lump sum automatically transfers to your balance account. If you decide to withdraw, then you will be subject to tax and it could affect your current Centrelink or Workers Compensation payments.
   
   WKB TPD Lawyers has partnerships with specialised Financial Planners who will provide you with a free consultation to discuss any implications on Centrelink or Workers Compensation payments when you withdraw your TPD Benefit.
   
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2. Superannuation funds have a complex formula when it comes to tax on the withdrawal of your TPD benefit and account balance.
   
   WKB TPD Lawyers has partnerships with specialised Financial Planners who will provide you with a free consultation, to discuss your tax options when withdrawing your TPD lump sum benefit and account balance.
   
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3. It depends on your policy conditions. WKB TPD Lawyers can investigate this once you became a client of ours.

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