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Total Permanent Disability Insurance

SydneyASS Message
29 May 2014, 12:29 PM

Hi. Just wandering if anyone who has ASS + ILD + Anti Jo-1 has successfully received a payout for TPD Insurance, especially in Australia. Love to hear your experiences or any advice for approaching this. Supposedly in Austalia the definition of TPD (when insured via Super) is: "Any Occupation TPD - the claimant must be unable to work in their occupation and also any occupation that they are suited to via education, training or experience ever again." Wishing you all a good day tomorrow and beyond
Alexgirl Message
31 May 2014, 04:43 AM

I had earlier on thought of TPD and taking my super early but as a teacher it would have meant being totally and permanently disabled from Teaching not all work. I may still within the next 5 years or so have to do that depending on my lungs and whether I got any infections etc. I took 2 years income protection from Queensland Education because it is included as an insurance policy via Super. Lisa
Ellie Message
31 May 2014, 05:06 AM

Sydney we will have an answer next week as to the success of my husband's claim. I'll definitely let you know how it goes. His case manager seems to think there won't be a problem but it goes to a delegates meeting on Monday and they decide then. I think it depends on what profession you are in as well. He was a Green Keeper so it's heavy, very physical work. The scarring he has in his lungs will stop him working in that field again. But on top of that he also has Industrial Deafness and a bad knee from a work accident many years ago that has already had an ACL replacement and a bone graft.
SydneyASS Message
31 May 2014, 05:09 AM

Thanks for the update Ellie! I hope it all works out in your favour. Keep me posted. Cheers
BarbieRose66 Message
2 Jun 2014, 09:52 AM

I received all my super and basic life insurance for TPD. Waiting for my voluntary life insurance to be paid out. I was a TAFE teacher. I'm in Australia and diagnosed ASS ILD JO-1
Ellie Message
2 Jun 2014, 09:56 AM

Just thought that I would update. The TPD claim was approved today! So relieved.
SydneyASS Message
2 Jun 2014, 10:49 AM

Congrats Ellie. It's nice to hear a positive result for the people who need it. A little celebration no doubt. Well done