Injury

Super & Total Permanent Disability

We Help...

When you have suffered an injury or illness which stops you from being able to work, the process of making a claim can often be stressful and complicated. Our team of Injury Law Accredited Specialists will work with you to ease the burden of making a claim through your superannuation fund and help you seek compensation:

  • We acknowledge that every client’s circumstances are unique and we tailor our approach based on your individual needs.
  • We help you with payment of wages and access to medical services. Our team will work collaboratively with you and your medical team to make things right and get you moving again.
  • We handle all the paperwork and problems and work with you to ensure that all issues are resolved as quickly as possible so that you can focus on recovery.
  • We offer client advocacy and case coordination to help you with access to services and funding within the community.
  • We will facilitate referrals to the most appropriate professionals best suited to your needs and will support you to attend medical appointments and other assessments.
  • We provide a holistic assessment of your needs and provide you with options for the future to ensure that you can move forward with confidence.

We Understand...

Ensuring that you have a lawyer that is experienced yet understanding, compassionate and accessible is important to every client. At Robinson Gill, we understand that seeking legal assistance can be a difficult decision. Our team is dedicated to ensuring that you feel supported at all stages of the legal process and will work with you to obtain the best possible outcome.

  • We understand that an injury or illness will impact your life in many ways and that your needs may change as your circumstances do. Our team is committed to providing a flexible and adaptive approach which will ensure that your ongoing needs are met throughout the claims process.
  • We appreciate that many clients find the legal system difficult to understand and navigate. Our lawyers will remove this complexity by providing you with information that is simple and easy to understand so that you can make informed decisions with confidence.
  • We understand that it is important that you are kept up to date with the progress of your matter. Our lawyers will provide you with regular updates and remain accessible to you throughout your claim as part of our commitment to ensuring a client centred service.
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We Do...

HELPING YOU RECEIVE YOUR FULL ENTITLEMENT

When you are unable to work due to injury or illness your income can be adversely affected. This can add further stress to an already difficult time. You may be eligible for payment of a Total and Permanent Disability (TPD) benefit and/or Income Protection (IP) payments, regardless of on whether you’ve had an accident or made a WorkCover or Transport Accident (TAC) claim.

A TPD and/or IP claim is not dependent on whether you’ve had an accident or made a WorkCover (WC) or Transport Accident (TAC) claim.  Most employees are covered for TPD and/or IP through superannuation or private policies.


CLAIMING THROUGH A TPD BENEFIT

It depends on the wording of each policy but usually if you are assessed as being permanently unfit to do your usual job or any other work based on your training and experience, a Total and Permanent Disability benefit becomes payable.

You will need to complete an application form, and provide details of your employment, your work history and qualifications, as well as forms to be completed by your employer and treating doctors as to your capacity.

A TPD payment is usually paid as a lump sum but you have the option of rolling it over into your superannuation fund. You may be able to make more than one claim if you cover for TPD through more than one super fund.


CLAIMING THROUGH INCOME PROTECTION

It depends on the wording of each policy but you may have an entitlement to IP payment for a proportion of your income for either a temporary or permanent incapacity. There may be a waiting period.

You will need to provide details including completing an application form, and providing supporting material from your treating doctors and employer as well as details of your income to assess your entitlement.

Payments are usually made on a monthly basis. Once a claim is accepted there is usually a requirement for regular certification of your ongoing incapacity to be provided by your treating doctor.


AND WHEN IT IS A TAC OR WORKCOVER CLAIM

A TPD lump sum payment may result in a suspension of weekly earnings payments from a WC insurer but not TAC payments.

Most IP policies will require disclosure of a TAC or WC claim and if you have an entitlement to concurrent weekly payments, then your entitlements through the IP claim will usually be limited to any amount that is over and above any TAC or WC payments.


ACT PROMPTLY

Each policy is different so getting legal advice promptly is important. Robinson Gill can assist you with your TPD benefit and/or IP claim and work with you and your superannuation fund/insurer to optimise your entitlement. We will only charge you if you have a successful outcome.


NO WIN, NO FEE

Our injury law team offers ‘no win, no fee’ in most income protection and total and permanent disability matters. We offer all our new clients a no cost and obligation free first appointment and would be happy to discuss how we can assist you further during this time.


Our People

Anna Vadaketh

Injury Law

Merys Williams

Injury Law

Frequently Asked Questions

WHEN IS A TPD BENEFIT PAYABLE?

It depends on the wording of each policy but usually if you are assessed as being permanently unfit to do your usual job or any other work based on your training and experience.

WHAT INFORMATION DO I HAVE TO PROVIDE IN SUPPORT OF A TPD CLAIM?

This will include completion of an application form, details of your employment, your work history and qualifications, and forms to be completed by your employer and treating doctors as to your capacity.

HOW IS A TPD BENEFIT PAID IF APPROVED?

Usually as a lump sum but you have the option of rolling it over into your superannuation fund.

CAN I MAKE MORE THAN ONE TPD CLAIM?

Yes, you may have cover for TPD through more than one super fund and it is possible to make more than one claim.

WILL A TPD BENEFIT PAYMENT AFFECT PAYMENTS FROM TAC OR WC?

A TPD lump sum payment may result in a suspension of weekly earnings payments from a WC insurer; but not TAC payments.

WHEN IS INCOME PROTECTION PAYABLE?

It depends on the wording of each policy but you may have an entitlement to IP payment for a proportion of your income for either a temporary or permanent incapacity. There may be a waiting period.

WHAT INFORMATION DO I HAVE TO PROVIDE IN SUPPORT OF AN INCOME PROTECTION CLAIM?

This will include completion of an application form, supporting material from your treating doctors and employer as well as details of your income to assess your entitlement.

HOW ARE IP PAYMENTS MADE IF APPROVED?

Payments are usually made on a monthly basis. Once a claim is accepted there is usually a requirement for regular certification of your ongoing incapacity to be provided by your treating doctor.

WILL AN IP PAYMENT AFFECT PAYMENTS FROM TAC OR WC?

Most IP policies will require disclosure of a TAC or WC claim and if you have an entitlement to concurrent weekly payments, then your entitlements through the IP claim will usually be limited to any amount that is over and above any TAC or WC payments.

Each policy is different so getting legal advice promptly is important. Robinson Gill can assist you with your TPD benefit and/or IP claim and work with you and your superannuation fund/Insurer to optimise your entitlement. We will only charge you if you have a successful outcome.

We can help

Our team of lawyers provide expert advice, with most holding Law Institute of Victoria Specialist Accreditation in the areas of Family Law, Personal Injury Law and/or Commercial Litigation.

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03 9890 332103 9890 3321
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