Total and permanent disability (TPD) claims can be made against your superannuation fund if you are unable to return to work due to an injury or sickness. Psychological/mental disorders and conditions, as well as physical ones, are covered by TPD claims if they hinder you from working in your regular job.
Many people, at some point in their lives, will suffer from depression, which is one of the most common mental illnesses. However, because depression can manifest itself in a variety of ways and at various levels of severity, not every episode of depression can be called a permanent disability. Major depression, psychotic depression, and bipolar illness are all terms used to describe more severe forms of depression. You must normally be able to present medical documentation in the form of a medical report proving the severity of your depressed disorder to the point where it prevents you from returning to work to file a TPD claim.
Here are three questions to ask yourself to see if you qualify for a claim:
- Were you employed in the 12 months preceding the diagnosis of your mental illness?
- Have you been unable to return to work since your mental illness surfaced?
- Do you have any form of superannuation?
If you responded yes to any of these questions, you may be eligible for a TPD claim for mental illness. But to be sure of this and to learn how the process works, you should definitely contact a TPD lawyer and get legal help from them.
What mental health conditions does TPD insurance cover, other than depression?
Any mental condition that prevents you from returning to work may be covered by a TPD mental illness claim. Here are some instances of mental health issues that may make it difficult for you to work:
- Post-traumatic stress disorder (PTSD)
- Persistent anxiety
- Bipolar disorder
- Panic attacks
Of course, mental issues are not limited to those listed here.
Physical symptoms caused by mental illness: These can include headache, dizziness, chest pain, nausea, and muscle tension. Mental health conditions can also make conditions such as heart disease, high blood pressure and asthma worse. The important point here is that the health problem prevents work. Other than that, there is no such thing as meeting certain conditions.
TPD Claim Lawyers for Depression
Experienced TPD claims lawyers can assist you at any point in your claims process. Lawyers can best assess your situation and guide you to get the most out of your TPD request. In addition, there are lawyers who work based on the No Win No Fee Policy, who work without your request being approved or paid their share.