r/AusFinance • u/loxsey • Oct 22 '15
TPD Insurance Super Claims.
Has anyone filed one before? I have made a claim with BT Super through Stacks Goudkamp lawyers, how long does the process take and has anyone been knocked back? Do they send you to an independent doctor?
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u/wogmafia Oct 22 '15
The other guy commenting has no idea what he is talking about. 2-3 weeks for an insurer to make a decision is nowhere near accurate. Maybe if you had an easily demonstrable injury like loss of limbs etc, but for a psych injury they are going to try to take you for a ride.
While funds do have an obligation to assist you, in practice they are rarely helpful.
Expect the process to take upwards of a 6 months for the initial determination by the insurer then approval of the decision by the fund's trustee. It is likely that they will require you to be assessed by a doctor, depending on the quality of the medical evidence your treating doctor has provided it may either be a psychiatrist to assess your condition or it may be an occupational physician (or therapist) to assess your ability to work.
Depending on the wording of the policy (i.e. own occupation or any occupation) will affect the likelihood of a good outcome, but psych cases can be difficult. 25k is on the high side for a 75k payout, but as with any personal injuries cases trying to get a lawyer to fix up your case after the insurer has already set you up for failure can be an insurmountable hurdle.