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TPD rejected

Discussion in 'Superannuation, SMSF & Personal Insurance' started by ddood, 10th Nov, 2011.

  1. ddood

    ddood New Member

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    2nd Nov, 2011
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    Location:
    vic
    Hi my TPD has been rejectedas the insurer asserts that my insurance cover ceased on 26 april 2005,6 months after the date my last employer contribution was recieved,howeverthe medical evedence suggests that i was not certified to be tpd until july 2005.therefor the insurer believes that i am not eligible for a tpd disabilty benefit . does any one have any advice they could give me thankyou darren
     
  2. Terryw

    Terryw Well-Known Member

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    Get some legal advice quickly. You should be able to appeal their decision, but would have a limited time to do so.
     
  3. ddood

    ddood New Member

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    Hi Terryw thanks for the reply. I have had a solicitor since day one their advise was to get another report off the doctor.I had my injury back in late 90s and tried to go back to work and saw the doctor on and off for a long period when the injury flared up,so the history for the tpd was not onging.I was looking thru my supers website and they claim that insuance is paid up for 13 months after the last contribution so i will get onto them. thanks darren
     
  4. Terryw

    Terryw Well-Known Member

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    Darren

    Read all your policy documents received from the insurers carefully. What they say on the website may be in relation to new policies and your one may have different conditions.

    It may also pay to see a different solicitor too. One was specialising in insurance maybe.
     
  5. Billv

    Billv Getting there

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    That's what my super company did to me and then they stopped paying it without telling me anything. Bunch of clowns....
     
  6. ddood

    ddood New Member

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    2nd Nov, 2011
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    Hi bill, the death insurance is stillthere but not the tpd part alot of good that will do me . To claim tpd insurance you must be off work for six months yet the iinsurance stops at six months also very confusing . darren
     
  7. Billv

    Billv Getting there

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    But if the tpd is as a result of an injury which occured while you had insurance then IMO you should be covered.