Total and Permanent Disability (TPD) Insurance is a form of insurance that protects policy holders in the event of a total and permanent disability or injury that leaves them unable to work. For veterans, this insurance covers them if they are injured or disabled during their service. 

It’s an important safety net for all Australians, but it’s particularly important for citizens who work in high-risk fields like the military. You need a safety net if you are left with a permanent disability and unable to work.

What is Total Permanent Disability (TPD) Insurance for Veterans?

In the event of a total and permanent disability, your Total Permanent Disability in super will provide a lump sum payment to help you cover costs, whether it’s to replace your income or cover medical costs or home adaptations.

As a member of the military, you were trained for a specific role and if you’re left with a total and permanent disability because of your work, you are limited in what other fields of work you could participate in with limited training. No matter how much Permanent Disability Work Cover you receive, it should give you time to pursue another career path if that’s possible. While the average Australian has TPD Insurance in Super, veterans typically receive TPD insurance as part of the service-related benefits. 

Eligibility for TPD Insurance for Veterans

Eligibility varies based on the insurance policy, so you must review yours to understand your eligibility. However, in the case of veterans, the nature of the disability and whether it’s service-related or not determines eligibility. If you have supporting evidence that your condition is the result of your service, it will help bolster your case. In addition to the physical injuries service members often suffer, there are also mental health conditions such as PTSD that qualify. Medical evidence will support your claim. 

Common Conditions Eligible for Total and Permanent Disability (TPD) Claims Benefits in Veterans

Veterans face a range of dangers in the course of their military service and many could make you eligible for a TPD claim, however, the most common include physical injuries, mental health problems, and long-term health conditions. For example, veterans face injuries like brain trauma, spinal cord injuries, and loss of limbs. In addition to PTSD, many veterans struggle with anxiety and depression following military service, particularly those who have faced combat. There are certain long-term health conditions, such as respiratory and musculoskeletal conditions that are exacerbated by military service.

Whether you have suffered a physical or psychological injury, you may be eligible for TPD Insurance benefits.

How to Apply for TPD Insurance as a Veteran

If you have suffered a total and permanent disability and believe you’re eligible to claim against TPD Insurance, start by gathering your medical evidence. You need medical documentation supporting your claim. You should also review any policies that cover you, many people hold multiple policies, some are more beneficial than others and some allow you to claim against multiple policies. A lawyer can advise you on which policy, or policies, are your best chance at success. They can also help you track down all your policies. Once you know who you’re submitting a claim with, you can submit a claim. Claims usually require a personal statement and medical records but may warrant testimony from experts as well. 

You will need to await the insurance company’s assessment. They may ask for additional evidence, which is why it’s a good idea to work with an experienced lawyer to support your claim. If your claim is unsuccessful, you can lodge an appeal and if you haven’t enlisted the services of a lawyer by this point, you should do so before you appeal.

Common Challenges When Applying for TPD Benefits 

  • Proving that your condition was the result of your military service. 
  • Vague or opposing medical opinions and insufficient documentation. 
  • An insurance company disputing or denying the claim on a technicality.
  • The emotional toll of handling the claims process and dealing with an insurance company while also managing your injury or disability. 

The best way to manage these challenges is two-fold. Firstly, always look for a medical professional who specialises in service-related injuries or mental health conditions. You can start with your GP and get a recommendation based on your diagnosis. Secondly, enlist an experienced lawyer as early in the process as possible. 

How a Lawyer Can Help Veterans With TPD Claims

A lawyer can help you gather and document the evidence that supports your claim, understand your rights and entitlements, and represent you if the insurance company wants to negotiate. 

If your claim has been disputed or denied, a lawyer will help you navigate the appeals process and fight for your right to compensation. AJB Stevens has a background in handling insurance disputes and veteran claims; if you’re facing challenges with the process or looking to start the claims process, reach out to schedule a free consultation. 

Additional Support for Veterans with Disabilities

Veterans have options available. In addition to TPD Insurance, you may also be eligible for Disability Support Pension (DSP) which is available to any veteran with a service-related disability that meets the requirements. The Australian Department of Veteran’s Affairs (DVA) also provides healthcare services and financial assistance to veterans living with total and permanent disabilities. 

Additional services include family support packages, DVA Rehabilitation, Special Rate Disability Pension, and a Rehabilitation Appliances Program (RAP), which provides living modifications, equipment, and aids.

Empowering Veterans to Get the Support They Deserve

If you have suffered a total and permanent disability as a result of your military service, you are entitled to financial support. While there are multiple avenues open to you, sitting down with a lawyer to discuss your options is the right place to start. Whether you believe you’re entitled to TPD Insurance or not, take the opportunity to schedule a free consultation with AJB Stevens, an experienced member of our team will assess your case and show you the many options available to you.