What is a total and permanent disability superannuation claim?

Total and permanent disability lump sum claims are made through your superannuation. These claims are only suitable for people who have suffered injury that will result in a person not being able to return to work in the same capacity.

 Total and permanent disability claims are very complex, especially when dealing directly with an insurance company. Not all superannuation insurance policies are worded the same. Therefore, not all injuries will be deemed a ‘total and permanent disability’ that prevents a person from returning to work. When determining the approval of a total and permanent disability claim by a superannuation fund, it is usually subject to the nature of the injury, the impairment level, and the injured persons work history, skills, experience, and qualifications.

If you suffered an injury that prevents you from returning to work, then you should seek legal advice.