Building a clear medical history
Bring together the medical records you already have, particularly if you have seen different practitioners or received treatment in different locations.
The evidence should address the requirements of your particular TPD insurance policy rather than simply establish that you have been diagnosed with an illness or injury. The definition of total and permanent disability differs between insurers.
If there are gaps in treatment or records, explain the circumstances accurately rather than assuming the insurer will understand why treatment was interrupted.
Work history and policy requirements
Include your work history, qualifications and changes to your employment where relevant.
Under an “any occupation” definition, the assessment generally considers whether you are unable ever to work again in a job suited to your education, training or experience. Being unable to return to your last job does not necessarily establish that requirement. Other disability definitions may apply under your policy.
Check current and previous superannuation funds and any separate insurance policies. Moneysmart recommends checking whether you already hold TPD cover through super and what happens to that cover when employment changes or a super account becomes inactive.
Other entitlements
Northern Territory workers compensation and TPD insurance are separate arrangements. NT WorkSafe states that the Territory’s workers compensation scheme operates under the Return to Work Act 1986 and Return to Work Regulations 1986 and provides potential entitlements for injury or disease occurring in the course of employment.
A TPD insurance claim is instead assessed against the definition and requirements of the applicable insurance policy. Your illness or injury does not necessarily need to be work-related for a TPD claim.
For TPD cover held through superannuation, also check the rules governing access to the benefit and its tax treatment.
Speak with KSC Law
Book a free consultation about TPD claims in the Northern Territory. Start with your current and previous super statements, insurance information and any existing decision letters. If you do not have everything, start with the records available.
KSC Law can help identify the applicable cover, explain the requirements that need to be addressed and discuss the proposed work and costs before you decide whether to proceed.
Related reading: TPD claims lawyers · Do I qualify for a TPD claim
TPD guides and next steps
KSC supports TPD clients by phone and online.