Your superannuation policy might be having a TPD (Total and Permanent Disability) cover, which ensures that if you cannot continue working due to illness or injury, you can get funds to cover your medical bills and meet your everyday expenses.
However, superannuation policies are complex documents that a person without any legal knowledge cannot comprehend or infer. That’s why it’s essential to have someone interpret your insurance and help you in the TPD claim process. This is where firms like law advice can aid with a team of qualified lawyers to navigate through the claim process.
Reasons to Hire a Lawyer for Superannuation TPD Claim
Insurance companies are notorious for making the claims process difficult, with many ins and outs to understand. Insurers themselves hire lawyers to deny or minimise your claims. So, it would help to have an attorney by your side as well. Here are the reasons why you must hire a lawyer to run your superannuation TPD claim.
TPD has a Diverse Definition
Remember, you and your insurer do not have the same interests. Superannuation funds and insurance companies have different definitions for TPD, making it even more challenging to know your fair entitlement. Only a lawyer is qualified and experienced to understand the jargon and work in your favour.
Advise the Viability of Your Claim
An experienced lawyer must have dealt with several different superannuation cases. They know exactly which documents and evidence are required to support such claims. They understand what they can and what they cannot include in the claim. Their knowledge and experience put you in a better place to get your compensation quickly.
Help You Understand Your Rights
Expert lawyers can make you understand the insurance policy jargon and help you know your rights to make a claim. They know what you are entitled to claim and ensure that you include all these in your claim. If your insurer denies your TPD claim, did you know that you can challenge it? Hiring a lawyer ensures that you get your claim accepted at the first attempt only.
Manage the Overwhelming Paperwork
While you are claiming due to illness or injury, your primary focus must be on treatment and recovery. Gathering all the evidence and paperwork can only add to the pressure. Your lawyer will manage the documents required for your claim and ensure that the claim is filed within the timeframe.
Take the Claim to the Court
Many times, claims are settled out of court. But if your claim needs to go in court, then the entire process may become highly complex and daunting. A qualified lawyer will give you the right suggestions, help you in every step of the process, and make sure that you get the compensation amount you deserve.
Many people try to file their superannuation TPD claim. But because of the complex nature of such claims, many of them are rejected. Legal proceedings can be much more complicated than you might imagine. However, a qualified legal team such as Law Advice can guide you through the steps and make you understand the rights. They handle all the hard work for you so that you can focus on your treatment and recovery.