Article 1: When your Total & Permanent Disability (TPD) file is not going well – Martin’s story – Insurance


Australia: Article 1: When your Total & Permanent Disability (TPD) file is not going well – Martin’s story

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It is really difficult to manage your TPD claim with your insurer alone and without legal support.

Data from the Australian Securities & Investments Commission (ASIC) shows high levels of TPD claims denied and an equally high number of people who simply waive their claims.

At Carroll & O’Dea Lawyers, we believe that with the right approach and the right information, we can submit your claim to the insurer in a way that presents your best chance of success.

So if you have an existing complaint and think you have concerns about it, contact us as soon as possible. Your best chance is before an appraiser is considering denying your claim.

Martin contacted us and here is his story.

How Carroll & O’Dea Lawyers helped Martin.

Martin was injured at work in 2015 and has not been able to work since. This meant that his wife became the family’s sole source of income. Martin’s claim had been with his insurer for nearly a year and during that time Martin provided what he believed to be useful information to support his claim. The insurance delay was putting a lot of pressure on him and his family. Martin received a warning letter that his claim was going to be denied and was frustrated, dismayed and unable to understand why his claim was not being supported by the insurer. Martin contacted Carroll & O’Dea for help.

Our approach to Martin’s TPD claim? Get in early and before a claim is rejected

We had to go fast before Martin received a formal denial on his request. We spoke to his insurer to understand his concerns. During these discussions, we discovered that there was medical evidence in Martin’s workers’ compensation claim – which we were also processing – that gave the insurer a better understanding of the chronic nature of the illness. state of Martin. We also helped the insurer understand why Martin had not provided key information earlier. In a very short time, the insurer confirmed that they had enough information to pay the claim. Martin said our involvement in resolving his TPD claim came at a crucial time for him and his family.

Why should you talk to us, like Martin did.

We understand how TPD claims should be assessed fairly and our approach is based on our extensive experience.

The content of this article is intended to provide a general guide on the subject. Specialist advice should be sought regarding your particular situation.

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