You may be eligible for TTD monthly payments if you’re unable to do your regular job for a while, whether it be three months or two years. Generally, these payments can be up to 75 per cent of your normal income and is payable for two years up to the age of 65. There is a waiting period of 30 to 90 days.

In some cases, TTD payments may be offset against workers compensation, motor vehicle compensation or Centrelink payments. These payments can sometimes stop if your employment is terminated or if you receive a TPD lump sum, but not always.

You may be entitled to a disability claim or other types of benefits through your superfund. In the event of an accident or illness which prevents you from working, you may also be able to make another claim through income protection or another form of insurance.

You may be able to lodge a superannuation claim as soon as you stop work, meaning you could claim super insurance benefits when you are not working but are yet to retire or claim your super as a lump sum or in instalments once you have retired.

Employers sometimes provide insurance for staff or it may be a condition of an enterprise bargaining agreement, contract of employment or if you purchased life insurance from a financial institution.

Brisbane Lawyers are specialists in disability insurance and superfund claims. We may be able to help you gain early access to your funds when you need it most. We understand the importance of helpful legal representation when dealing with insurance companies.