TPD Claims. Are you unable to work due to injury or illness? You may be eligible to claim for Total & Permanent Disablement.

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1 TPD Claims Are you unable to work due to injury or illness? You may be eligible to claim for Total & Permanent Disablement.

2 What is TPD? Total & Permanent Disablement (TPD) Cover pays a lump sum if you suffer an illness or injury that prevents you from working. These funds are critical when you are unable to work and can be used to clear debts, fund medical costs or provide an income stream to ensure you maintain the same quality of lifestyle. Most superannuation funds include a TPD insurance policy or you may have your own policy through your insurance company or broker. Many people who suffer an illness or injury may already be covered for TPD and not know it. Check your superannuation statement The Total & Permanent Disablement Cover should be listed with your Death Benefits.

3 If you have experienced any of the following, you may be eligible to claim TPD: Cancer Mental illness Multiple Sclerosis (MS) Chronic fatigue syndrome Heart attack Stroke Spinal injury Brain damage Fibromyalgia Asbestosis Parkinson s Disease Lupus TPD protects you if you have suffered an injury or illness that prevents you from working but your illness or injury does not have to have occurred at work. Many other illnesses or injuries may also be covered. Spinal injury Brain damage Fibromyalgia Asbestosis Parkinson s Disease Lupus

4 Case Study The self employed mechanic Joe is a 48 year old self-employed mechanic running a successful business and is married with four children. Within the business he is involved in 20% manual work, 30% supervision of other mechanics and 50% administration work. Joe was involved in a motor vehicle accident and injured his right arm and leg. The arm was fractured in the accident and he was unable to move his arm for three months. Joe is right hand dominant. Joe contacted Trilby Misso to discuss his situation. Thankfully, Joe had an up to date superannuation policy with a TPD Benefit with an any occupation definition. Medically, Joe s claim is valid as a result of the severe medical trigger and permanent nature of the injury. The definition of any occupation needed to be looked at because although he can t participate in the 20% manual work, he is still able to perform the 80% administrative and supervision duties. Unfortunately in Joe s case, as he is still able to complete 80% of his duties, Joe s claim would not meet the definition of any occupation TPD. However if Joe s workload was 100% manual work and he was untrained or not qualified for any other occupation then he would have a valid TPD Claim. Case Study The nurse Jenny is a Registered Nurse and has been working for Queensland Health for several years. At 52 years of age, Jenny was diagnosed with breast cancer and although her prognosis was good she decided to take early retirement to focus on her health. When Jenny made this decision she spoke to Trilby Misso about her situation and they determined she was covered under a Government Superannuation Scheme for Invalidity Cover (also known as TPD). Under the government scheme, Trilby Misso can assist Jenny make a claim for invalidity retirement benefits (TPD). The trustee of the Government Superannuation Scheme will make a decision as to whether or not they accept Jenny s claim on the basis of medical evidence presented.

5 Case Study The transport worker Katharine had been employed in the transport industry for approximately 15 years when she was forced to stop working after she was diagnosed with fibromyalgia and chronic fatigue syndrome. Some 11 years after she ceased working, Katharine contacted Trilby Misso who made her aware that she was still able to make a claim for TPD under her superannuation fund. Katharine s claim was initially rejected by her superannuation fund but after some perseverance and support from her legal team the claim was finally accepted. Katharine received a lump sum amount to enable her to secure her financial future. Case Study The sales representative Deon, a 23 year old man, worked for a national retailer as a sales representative. He is married with two young children and has many household expenses. Deon s doctor diagnosed him as having Multiple Sclerosis (MS) when he began feeling extremely tired. Soon after this diagnoses he resigned from his position at the retailer as he was unable to handle the physical workload required in his role. Deon was never made aware that he could make a TPD claim under his superannuation policy. It was by accident, that he heard somebody talking about superannuation and the insurance attached to it. Deon decided to seek Trilby Misso s advice and look into whether or not he could make a claim. Thankfully, Deon had TPD cover attached to his superannuation and was able to make a claim. The trustee for the superannuation fund accepted his claim and made a lump sum payment that has made life easier for him and his family.

6 Whatever your unique situation, we can help you submit the strongest possible claim to your insurance provider. It costs nothing to have a chat and we may be able to help you make the best of a bad situation. What you will need: A current superannuation statement or your TPD insurance policy document Any medical documentation regarding your illness or injury Employment history, qualifications and work experience Want to know more about TPD? Hear from Associate Renee Zackeresen, head of TPD at Trilby Misso. Watch the TPD video. If you have a QR reader scan the QR code with your smartphone. Alternatively view this video online by visiting

7 BRISBANE 288 Edward Street Call 1300 TRILBY ( ) BROWNS PLAINS Grand Plaza Shopping Centre Browns Plains Road Call IPSWICH 1 Lowry Street (Next to Riverlink Shopping Centre) Call LOGANHOLME Hyperdome Shopping Centre Cnr Pacific Hwy and Bryants Rd Call MORAYFIELD Morayfield Shopping Centre 171 Morayfield Road Call NORTH LAKES 9 Discovery Drive Call ROBINA At the Rocket Robina Town Centre Drive Call SUNSHINE COAST 9 Nicklin Way Call TOOWOOMBA 123 Margaret Street Call

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