If you're struggling with chronic fatigue syndrome (CFS) or a similar condition like fibromyalgia or myalgic encephalomyelitis and you’ve had to stop work due to the illness, you may be entitled to TPD benefits.
If you have a pre-existing medical condition that your super fund is unaware of, they may have the right to reject a TPD claim or other disability insurance claim. When you apply for TPD insurance inside super, you will usually have a duty of disclosure and that duty could include full disclosure about any pre-existing injuries or illnesses.
A 2023 Federal Court of Australia case has found that where an employer fails to make super guarantee contributions in accordance with the relevant award, this failure results in the worker’s loss of chance to pursue a TPD claim. In this case, the employer was ordered to pay compensation to the worker for losses.
When volunteers give up their time to dedicate to community groups and organisations, they can suffer injuries through the course of their volunteering. This then poses the question, “What compensation is available if I’m injured while volunteering?”.
In addition to any WorkCover or TAC entitlements an injured person may have, they may also be able to claim a TPD lump sum payout if their injuries caused them to stop working.
Many people often only think of accessing TPD insurance for physical injuries; however, you can also lodge a TPD claim for illness, including mental illness and psychological conditions.
Unfortunately, some workers have sustained an adverse reaction to a mandated Covid-19 vaccine. In this article, we explore the compensation options available to those workers.
The process for lodging a TPD claim may have seemed quite straightforward, so you might expect it to be accepted and receive your payout. But what if your TPD claim is rejected or declined?
If you stopped working years ago due to injury or illness, and had TPD cover when you stopped working, it is not too late to apply to access your TPD benefit with your super fund.