Chronic illnesses are long lasting diseases with persistent effects. They can have significant social and economic consequences for peoples’ quality of life. According to research, just under half of all Australians will experience a chronic condition at some point in their lives. We know that chronic illnesses and conditions can look different in different people, and manifest in a variety of ways. During the ongoing COVID-19 pandemic, many people with chronic illnesses are often particularly vulnerable, and are finding themselves unable to maintain employment or return to work in an environment of rising unemployment. In these circumstances, it is important that you understand all of your rights and options. If you have been made redundant due to COVID-19 and are unable to return to work due to your chronic illness, Littles can help – and the starting point is our FREE super claim check. Read this blog to understand your rights!

Chronic illnesses under super

We’ve helped clients with the following illnesses and conditions make successful claims:
• multiple sclerosis
• cancer
• motor neurone disease
• Parkinson’s disease
• asthma
• chronic heart disease
• fibromyalgia
• depression
• chronic fatigue syndrome

What is TPD insurance?

Total and permanent disability (TPD) insurance is provided through most Australians’ superannuation funds, and is designed to provide people with a safety net if they cannot work for any medical reason. Unfortunately, many people with chronic conditions are unaware that they even have it or that they’re entitled to access it should they stop working – despite the fact they’ve diligently paid their premiums out of their hard-earned super. Insurers may try and tell people with chronic illnesses that they are not eligible for cover because it existing before they joined the super fund and obtained the policy – but this is not necessarily true. If your condition didn’t affect your ability to work when you first opened your super account, then you should be able to make a claim.

I’m already stressed about my condition. I’m worried making a complex insurance claim will make this worse!

We understand. If you’re suffering from a chronic illness or condition, your health needs to be your number one focus. While insurers say that they’ve made the process of claiming easier so that you don’t need legal representation, our clients tell us differently. Insurance policies continue to be full of legalese and fine print, use different definitions and criteria, all of which provides insurers, super funds and their lawyers with loopholes to avoid paying claims. Seeking legal advice early on in the process can ensure that your claim is considered quicker, and is more likely to lead to a successful outcome. We can also manage all the communication between you and your insurer, pushing back on unreasonable requests, using pressure where the insurer seeks to delay, and presenting evidence so that you put your best foot forward. Let Littles help – get in touch for a FREE super claims check today.

Help! I want to make a claim, but I withdrew $10,000 from my super and I’m not sure if I’m still eligible.

We know that during the COVID-19 pandemic, people with chronic illnesses and conditions ceased working. This may have left them even more vulnerable, as, certain insurance that is paid for through super can cease if a person’s account becomes inactive because contributions cease, or if the account balance is emptied. However, if you’re wanting to make a TPD or income protection claim, but you’re not sure whether you are still entitled to do so, Littles may be able to help. We can do a FREE super claims check, so that you know where you stand.

Don’t delay – seek advice now

If you have an illness or injury that prevents you from working, you might be worrying about how you are going to pay your bills and put food on the table. You could be entitled to receive a TPD lump sum, as well as other insurance benefits. Get in touch with Littles for a free super claims check. We can help you understand what you’re entitled to. Know where you stand, and get peace of mind.

Free advice and no upfront fees

Not only do we offer a FREE claims check – we handle most insurance claims on a no win, no fee basis. Our Head of TPD and General Insurance, Rowan McDonald, is an insurance law expert. If you think you might have a claim, get in touch with Rowan and his team for high quality legal advice.