What Needs To Happen For A TPD Claim To Be Accepted

Total and permanent disability insurance, also known as TPD, is an insurance policy that allows you to claim on the policy if you are unable to ever work again due to total or permanent disability as a result of illness or injuryThis insurance policy involves being paid a lump sum once your claim is accepted.

If you are claiming on a TPD policy, you will need to wait until you have absolute confirmation that the disability is, in fact, total and permanentStill, things become much easier and transparent when you know you are eligible to make a claim.

Here is the list of criteria that needs to be met for a TPD claim to be accepted:

Disability Needs To Be Total and Permanent

Your total and permanent disability claim will only get approved if you are unable to return to your previous job or any other workThe injury must be as critical as losing a limb, hearing loss, loss of sight, some mental health disorders or speech impairment.

However, you won’t have to prove that you are not at fault for your injury or illness; all you have to do is show that your disability is severe enough to affect your life.

Waiting Time Must Be Met

Unlike income protection and trauma insurance, TPD insurance does not have a waiting period of 30, 60, or 90 daysThe only time restriction that applies to the policy is the amount of time you must be unable to work before you can claim on your TPD policy – this can either be three months or six monthsThis waiting period allows the insurers to determine the full-extent damage as injuries can stabilise over time.

Prove Your Work History

Proving a detailed work history pre-and post-injury is crucial to claim total and permanent disability insuranceYou either have to be employed full-time for a year before the claim, or you must be employed at the time of claim, or you must have worked at a minimum number of hours to be able to make a claimThis condition varies between the insurers, but the proof is a must for all.

Comply With The Ongoing Medical Treatment

You must maintain regular appointments with the doctors to make a TPD claimIf you are not putting enough effort into your rehabilitation, that might create a problem in your claim procedure.

Suffering from an injury and losing a job is stressfulFor the smooth claiming process, you need to buy TPD insurance from a great insurance provider such as Aspect Underwriting, who treat your problems like their ownThe Aspect TPD insurance claim process is simple and hassle-free.

All you have to do is download and print the TPD claim form, fill in the details and send it to the Aspect Underwriting claim centreAs soon as they receive your claim, they will get back to you.

If you haven’t bought a cover because you are worried about the claiming process, contact Aspect Underwriting or simply get a TPD insurance quote online today.