No amount of money can make up for what you’ve been through. Although we can’t turn back the clock, we can help you make a Total and Permanent Disability (TPD) claim.

What is TPD Insurance?

Total and permanent disability insurance entitles the covered individual to a lump sum payment in the event that of injury or illness. Most people are actually unaware of their TPD insurance cover as it’s often sold as by-product or applied unknowingly.

How do I know if I have TPD insurance?

You may have cover via any of the following:

  • superannuation memberships
  • life insurance policies
  • EBA agreements
  • employment contracts
  • union memberships
  • and financial or banking products

If you are unsure whether or not you have a valid TPD policy you can call us on 1800 106 107 to have this confirmed. Millner and Knight have offices in Sydney, Melbourne, Brisbane and Perth.

How we assist you in making a TPD claim

Every day we help people who have suffered total and permanent disabilities start their journey towards compensation.

Preparing documentation to begin a TPD claim is not only time consuming, but fraught with mental trauma and reminders of the accident. The experts at Millner and Knight will assist with all facets of your claim to ensure the best chance of success.

What do we need from you?

Some of the information we may need includes but not excludes:

  • The date of the incident
  • medical transcripts and documentation
  • statements about pain and restricted mobility, including doctor’s diagnoses
  • information about your employment status, such as time off work
  • modifications made in your daily life, home and routines directly related to your injury
  • fuel receipts and other resources expended by loved ones or carers who have assisted you during your recuperation
  •  and care given to you without recompense

Please don’t worry if you don’t have all this information at hand as we can help you gather it as your TPD claim progresses. To find out more call Millner and Knight on 1800 106 107 for an obligation free consultation.

Can I make a claim?

To qualify for a TPD claim you will depend on the level of cover you have and whether or not you meet the requirements stated in your insurance policy.

I had my TPD claim rejected

If you’ve had a claim rejected because your insurer or super fund believes you still have the capacity to work. Or due to exclusion or eligibility clauses laid out in the small print of your insurance policy, please don’t worry.

Every day we speak to people who have had their claim rejected however the experts at Millner and Knight are well versed in the tactics used by insurance companies to deny their clients claims.

When you call us we will reassess your matter and ensure that no stone is left unturned before lodging your claim again.