ClaimRight -Low Cost Claims with Personal Service - Blog & Media #Income protection/ Salary ContinuanceClaimRight -Low Cost Claims with Personal Service - Blog & Media #Income protection/ Salary Continuancehttps://www.claimright.com.au/blogs/tag/income-protectionThu, 15 May 2025 23:05:14 +1000http://zoho.com/sites/<![CDATA[TPD Claim: Do I need a lawyer?]]>https://www.claimright.com.au/blogs/post/do-i-need-lawyer-for-a-insurance-claim

When processing an insurance claim within your superannuation fund, people often question whether or not they need a lawyer to process it for them.

Want to know the answer to the most common question we get asked?


The short answer: Usually, no.


Let us dive into this question and explain why your situation will depend on whether you need a lawyer or not. 
What is the definition of TPD?

TPD is a Total and Permanent Disability insurance usually available within your superannuation fund that will provide you with a lump-sum payout if you're sick and/or injured and cannot return to work in your occupation.

From now knowing what the definition is, if you know you have TPD insurance available to you within your super fund, and you fall ill or an injury occurs, impacting your ability to either return to work normally or you're thinking of eventually leaving the workforce due to this, you'll most likely be eligible to make a claim.

How do I make a claim?


We have created a FREE guide that shows a step-by-step process of how to make a Total and Permanent Disability Claim yourself! Find it in our resources page HERE.

Want extra information? Check out the video below:

At what point would I need a lawyer?


Thankfully most claims do not require a lawyer to be involved at all as they are often simple enough for you to either do yourself, however some claims can be complex especially when complex medical history is involved.

How can we help you?

If you require extra assistance to process your claim or you'd rather us take on the hard work for you for a low-cost fee, we can assist you!

We are more than welcome to take on any claim, and 99% of the time we are able to process it with no issues. However, we will be 100% honest with you before we take on your claim if we think you may need assistance from a lawyer, and thankfully we have great connections with lawyers who will get you the claim you deserve!

If you'd like us to get in touch with you about helping you process a claim or even if you'd like to see how we might be able to help you, contact us HERE
]]>Wed, 14 Jul 2021 19:57:00 +1000<![CDATA[Next steps after an illness/injury diagnosis...]]>https://www.claimright.com.au/blogs/post/steps_after_a_disability_diagnosis

Nothing about living with a disabling illness or injury is easy...
​​

It’s basically one of the biggest curveballs that life could throw at you and your family.


Suddenly there is a lot of uncertainty and anxiety surrounding what will happen in the future and what are the next steps to take in your journey. 

We help people everyday who are navigating their new way of life and trying to find solutions to make their life easier, so we understand that this isn't an easy road.


So to help you out, some of our customers have given us their best tips and tricks that helped them take the next steps in their journey, so hopefully it will help you!

The next steps to take in your journey: 

Find a support group, page or forum!


We know it may be cliché but you're not alone. Thousands of Australians are on this journey with you, you just have to find them! Join support groups on Facebook and find blogs and forums on Reddit and Google. You never know but these people might be able to give you even more tips and tricks along the way.

Access your benefits!


If you’re thinking you might have to stop working temporarily or completely, check what superannuation insurance benefits are available to you!

All you need to do is call up your recent super fund and ask if insurance is available within your superfund.

The types of insurance often available are either Total and Permanent Disability or Income Protection. Find out more below:


Types of Insurance

If you're thinking of claiming on your insurance, download our FREE Do-It-Yourself Total and Permanent Disability Insurance Process Guide and save yourself thousands in legal fees!

DOWNLOAD MY FREE GUIDE

Find out what government supports you can access

If you're off work due to your situation, your best option is to know what government support is available to you, such as Centrelink or NDIS. We have created a guide on how to best access the Disability Support Pension to start you off. We hope this helps!

Access this guide via the link below:

Disability Support Pension

We hope you find these 3 steps as helpful as our customer's found them. Just remember that there is support out there.


If you're needing a guiding hand on how to improve your financial situation to support your medical expenses, don't hesitate to reach out to us and find out what superannuation benefits are available to you.

]]>Wed, 14 Jul 2021 19:57:00 +1000<![CDATA[Let's Talk Back Injuries]]>https://www.claimright.com.au/blogs/post/back-injuries

From working in the insurance claims industry and processing hundreds of Total and Permanent Disablement and Income Protection insurance claims for our clients, we are increasingly having clients approach us with a range of back injuries.


Remember that back injuries aren't just injuries related to a fractured vertebrae for example... The injuries we come across are usually a lot more complex than this. It is more common that we have client's who have had either injuries to multiple sections of their spine, resulting in major muscle damage or they have one or two bugling discs that have gone unnoticed for an extensive period of time and they have then developed nerve damage as a result.


With these types of back injuries being the most common, it is clear as to why 1 in 6 Australians suffer from some level of back pain and why it often gets too painful for our client's to continue to work at any capacity. 

However the fear of financial stress is why these injuries are often put aside and our client's simply "put up with it" and continue working in pain. 


It is important to know what options are available to you when a back injury of any capacity occurs, especially when you're unsure whether you should be continuing work.


How can ClaimRight Help Me?

Insurance claims can become complex and difficult to gain access to depending on your insurance policy within your superannuation, your injury or illness and a range of other factors. At ClaimRight, we have the capability to understand the complexity of your unique situation, find a solution to meet your needs an take the hardwork out of your hands. This is why we offer beyond insurance claims and can provide early superannuation access, Centrelink and NDIS access if these solutions are more suited towards your situation. Head to our services to find out more

OUR SERVICES

If you've been suffering from a back injury of any sort that has you questioning whether you can continue to work and your doctor has stated that you're unfit to work due to your injury, get in contact with us today to find out what options you have with us. 

GET STARTED TODAY
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