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Article 1: When your Total & Permanent Disability (TPD) claim isn't going well - what to do?

Article 1: When your Total & Permanent Disability (TPD) claim isn’t going well – what to do?

Published on August 10, 2022 by David CooreyDavid Coorey

It’s really challenging to run your TPD claim with your Insurer alone and without legal support.

Australian Securities & Investments Commission (ASIC) data shows high levels of refused TPD claims and an equally high number of people who simply give up their claim.

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

So, if you have an existing claim and you feel you have any concerns about it, contact us as soon as you can. Your best chance is before your Insurer considers refusing your claim.

Matt contacted us and this is his story.

How Carroll & O’Dea Lawyers helped Matt.

Matt was injured in his workplace back in 2015 and had not been able to work since. That meant his wife became the sole income earner in the family. Matt’s claim had been with his insurer for close to a year and in that time, Matt provided what he thought was useful information to support his claim. The insurance delay was putting a lot of pressure on him and his family. Matt received a warning letter that his claim was going to be refused and was frustrated, dismayed and at loss to work out why his claim wasn’t being supported by the Insurer. Matt contacted Carroll & O’Dea to assist.

Our approach to Matt’s TPD claim? Getting in early & before a claim is rejected

We had to move fast before Matt received a formal refusal on his claim. We spoke to his insurer to understand their concerns. In those discussions we found there was medical evidence from Matt’s Workers Compensation claim – that we were also running – that gave the insurer a better understanding of the chronic nature of Matt’s condition. We also helped the insurer to understand that the reasons why Matt hadn’t provided key information earlier.  Within a very short time the insurer confirmed they had sufficient information to pay the claim. Matt said our involvement resolving his TPD claim came at a crucial time for him and his family.

Why you should talk to us, like Matt did.

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

If you have any concerns about your claim, or are worried that your Insurer may be considering refusing your claim, talk to us now.

We can provide a first appointment free (no obligation) to discuss your TPD claim and we work on a no win, no fee basis for our TPD claims.

Call us now on 1800 059 278.

Read more in David Coorey’s TPD series below:

Article 2 – Top 3 Tips for running a successful TPD claim

Article 3 – What happens when things go wrong with your TPD claim?

Article 4 – Get your Total & Permanent Disability claim right, first time!

Article 5 – Ensuring ‘no holes’ in the TPD safety net

Article 6 – Knowing these 3 Key elements will improve chances of success for your TPD claim

For more TPD articles, check out Robert Algie (Partner) article on why TPD is no place for L plates.

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