Total Permanent Disability (TPD) Claims Perth
Our team assists with medical evidence, insurer communication, and appeals for fair outcomes for all TPD claims.
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Supporting you throughout your TPD claim
A Total and Permanent Disability (TPD) claim is often made during a time of significant personal upheaval. The emotional and physical toll of being unable to return to work can be overwhelming and the process of lodging a claim only adds to the stress. TPD claims are complex and require substantial evidence, including medical assessments, occupational reports, and financial information.
We know how important this support is for your future. That’s why we handle the detailed paperwork, liaise with insurers and superannuation funds, and ensure every requirement is met to give your claim the best chance of success. We stay in close contact with you throughout, so you’re never left in the dark.
Our fixed-fee structure provides transparency and peace of mind allowing you to focus on your wellbeing while we focus on your claim.
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What TPD Claims cover
Total and Permanent Disability (TPD) cover pays a lump sum if you become permanently unable to return to work due to serious illness or injury. It can help pay off debts, fund lifestyle adjustments, cover medical care, or replace lost income, providing financial security during a challenging time.
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Common Life Insurance claim issues
Total and Permanent Disability (TPD) claims can be complex and often face a range of common issues that delay approval. One major challenge is the assessment of your future ability to work, which can involve detailed evaluations and differing opinions from medical professionals. Obtaining the necessary medical assessments can be time-consuming, particularly when specialists or multiple reports are required.
Other difficulties can arise from policy definitions, such as “own occupation” versus “any occupation,” which determine whether you qualify for a payout based on your capacity to perform your specific role or any work at all. Extended waiting periods and ongoing requests for additional proof or medical tests can further prolong the process. Navigating these hurdles effectively is essential to ensure your claim progresses smoothly and that you receive the benefits you are entitled to.
How we help
Accord Claims helps simplify the TPD claims process by managing the complex requirements and documentation on your behalf. our Perth-based team gathers comprehensive medical and vocational evidence to support your claim and ensure all necessary information is presented accurately. Our team also explains the insurer’s definitions, such as “own occupation” versus “any occupation,” and ensures your situation aligns with the policy criteria, giving you clarity and confidence throughout the process.
We handle all communication with insurers and superannuation funds, managing sensitive discussions and paperwork so you don’t have to. Where delays or rejections are unfair, Accord Claims advocates on your behalf, pushing back to keep your claim moving and maximise the chances of a successful outcome. This approach allows you to focus on your recovery while we manage the complexities of your TPD claim.
Testimonials
What our clients say.
We treat every claim with care, urgency, and respect. Here’s what some of our clients have shared about their experience with Accord Claims.
Ian von Berg, Owner
We handle all insurers.
The Accord Difference
Why should you work with us?
At Accord, we don’t just handle claims, we deliver peace of mind. Our team takes care of the complex details so you can focus on what matters most. We work proactively to manage every stage of your claim, following up with insurers to ensure steady progress and avoid unnecessary delays. With a clear, fixed-fee structure and no hidden costs, you can trust us to keep the process smooth, transparent, and always in your best interests.
Providing Peace of Mind
We understand you're going through a difficult time. Our team provides empathetic, personalised support throughout the entire claims process.
Proactive Management
We don't just process claims, we actively manage every step, follow up with insurers, and ensure your claim progresses is completed as efficiently as possible.
Fixed Pricing & No Hidden Expenses
We provide complete transparency with our clear fixed fee structure. No hidden costs, no surprises, just honest, upfront pricing. We're also more cost effective than traditional legal counsel.
15+ Years Experience
Our extensive experience means we know how to navigate complex claims, handle missing paperwork, and resolve issues efficiently. No matter how complex your claim is, we han help.
Our Process
Managing You Through to Approval
Initial Consultation
We review your situation, assess your policy, and identify what’s needed for a successful claim.
Information Gathering
Our team collects all required paperwork, medical reports, and supporting evidence to prepare your claim.
Application
We prepare or proactively manage your application to ensure the strongest possible submission.
Approval
We follow up with insurers, communicate progress clearly, and work to secure the best possible outcome.
Our FAQ's
Got a question? We have the answer.
What is an income protection claim?
An income protection claim allows you to receive a regular income if you are unable to work due to illness or injury. It is designed to replace a portion of your income while you recover, helping you manage living expenses during this period.
How can Accord Claims help with my income protection claim?
We assist by managing medical certificates, income verification, and ongoing forms, explaining your entitlements, including any offsets for other benefits, and ensuring your payments continue as long as you’re eligible. We also minimise insurer pushback and reduce re-certification burdens.
What documents do I need to make an income protection claim?
Typically, you will need medical certificates from your treating doctor, proof of income, and details of your income protection policy. Accord Claims can guide you through exactly what’s required and ensure your documentation is complete and accurate.
How long does it take to process an income protection claim in Perth?
Processing times vary depending on the insurer, the complexity of your case, and the documentation provided. Our team works to streamline the process, helping to reduce delays and keep your claim on track.
What happens if my claim is reassessed?
Insurers may periodically reassess your claim to confirm your ongoing eligibility. Accord Claims manages these reassessments, handling all required forms and communications to minimise stress and ensure your payments continue uninterrupted.
Will my income protection claim affect other benefits?
Some benefits, such as sick leave or workers’ compensation, may affect the amount you receive from your income protection policy. Accord Claims explains how offsets work and ensures your entitlements are maximised while keeping everything compliant with your policy.
Speak To Us
Organise a consultation.
Let the professionals at Accord Claims take the stress out of managing your claim. Rest assured that we’ll always act in your best interest to get the best result for you and your family.