The statistic has shown that an accident happens every second and almost 20 percent of those accidents can lead to serious injuries and disability. In some situations, people are able to recover and get back on their feet, but in more than half of the cases, the person will be permanently injured. The course of treatment, along with the additional costs are more than most families can bear, and we need our insurance money to make ends meet. If you’ve been in an accident that led to a TPD, or total and permanent disability, you will need to present your case to the insurance company, and later on, if needed, in front of a judge to get your compensation.

In this 2024 guide, we are going to list some reasons why you need to get a legal representative to make your claim and how the lawyer will help you out with your whole case. Continue reading to find some tips out and to learn how to find the best attorney for your case.

1. Super funds and insurance providers


The first reason why you want to go with a legal provider instead of choosing to go through the whole thing alone is that there are a lot of different insurance providers nowadays. Some of them will require different documents, while others may need a lot of proof to approve your case.

Depending on your case and your provider, you may need to struggle with the whole process for a long time, and in most cases, insurance companies may decline your case depending on the time frame they allow. You need to take action as soon as you can if you want to have a certain win, so it is always good to have a law representative who already knows the way through the legal labyrinth.

2. Experience


When choosing a law representative to handle your total and permanent disability claim, you need someone with experience. This is the second reason why you should go with a lawyer and not go through the case alone. The law representative has probably been a part of cases similar to yours for dozens and even hundreds of times, and they know what to expect and how to handle every single bump on the road.

There are a lot of different types of situations that can lead to TPD, and you need to look for a person who’s already handled a legal action similar to yours. Because of this, you should always consult with the firm beforehand, and see if they have the skills and the knowledge to win your argument.

3. Employment


Another thing that you are probably not familiar with is that your employment will be a factor in your legal action. Depending on the fact if you lost your job, or you cannot get a well-payed employment place, your attorney will be able to get you through the system faster.

As you already know, thousands of people struggle in finding work because of their TPD, and the number is even larger for those who’ve lost their jobs because of the diagnosis. With a good lawyer, you will be able to get bigger compensation, and they will help you out depending on your work status and employment history.

4. Claim


The right attorney will not only help you with the legal action itself, but it will also tell you if you have a valuable claim. In some cases, the clients don’t have the needed documents or proof to win their case, and when you contact an attorney they will give you specific information for your exact situation.

According to Foyle Legal, the Claim Total and Permanent Disability TPD insurance can vary depending on your case, and with the right attorneys, you can get higher compensation. If you’ve lost your job, or if you are not able to continue working, you will be able to get payouts through your insurance, and the legal representative will be there for you every step of the way until everything is finalized.

5. Medical documentation


As we mentioned before, to win your case you will need a lot of medical documentation. Some insurance companies will try and dismiss your legal action depending on your preexisting illnesses and your legal representative can help you if something like this happens. The non-disclosure part is extremely crucial and some companies will try and get your documentation without your knowledge and approval. Companies in Perth, Western Australia have tried to avoid the policy and try to prove that your disability was caused by something that was not in your insurer’s policy. The attorney you choose will help you out in situations like this and prove that you are viable to get compensated no matter the type of policy you’ve gotten.

To find out what is the best course for your specific case depending on the preexisting illnesses you have, and the type of accident you were in, you should consult a law representative. Know that you have to be completely honest with them, and let them know about any previous diseases or any condition that may have led to the injury itself. The legal representative will help you out to the best of their abilities only when they can see the full picture, so you should never try and hide the information like this.

One thing you should know is that there are a lot of attorneys who work with TPD cases and follow the no win no fee policy. This means that if they don’t win your case, you will not get charged. This is especially important for people who’ve lost their job because of the injury, or who cannot work because of the disability. When choosing a legal representative, talk to them about anything that you may need to provide, about the information they need and the experience they have. You need a firm that has experience with similar cases, and a person who will be there every step of the way. Take your time in finding the best attorney, and remember that these professionals will do everything they can to help you out in your times of need.