Total and Permanent Disability (TPD) Claims – Tips & Traps

This session will discuss the complexities and risks when making a TPD claim and will discuss recent decisions around TPD payouts, pre-existing condition, multiple claims and an analysis into unsuccessful claims. 

This session will include: 

• TPD Policies – retraining clauses; 
• Pre-existing conditions and mental health conditions – options where they are excluded from your policy; 
• Advising on difficult cases, for example:
• Your client accepted a redundancy; 
• Undiagnosed conditions at the time of work; 
• Absence of medical evidence; 
• Unsuccessful TPD claims – what are the next steps? 
• Making multiple TPD claims – tips and traps; 
• Tax payable on TPD payouts – when is tax payable and advising your client; 
• TPD payouts – recent claims and cases; 
• Insurers – current position. 

This session will also discuss recent cases.