Income protection claim lawyers.

To file a claim, you will need to complete claim forms, along with supporting documents from:

• Your doctor (medical reports)
• Your employer (if applicable)
• Your insurer (authority forms)

The insurer may also require financial records or arrange for an independent medical assessment. Once submitted, claim decisions typically take 3 to 4 months, though processing times can vary.

Yes, but your income protection payments may be reduced due to offset clauses in your policy if you receive workers’ compensation, Centrelink benefits, and other income replacement payments.

Yes, time limits apply, so it’s crucial to start your claim as soon as possible. If you delay, exceptions may apply in some cases, but seeking expert legal advice early improves your chances of a successful claim.

When applying for income protection, you must disclose pre-existing health conditions or any other information the insurer requests and answer all questions truthfully. Failure to do so may allow the insurer to deny your claim—but with expert legal support, you can still fight for your full policy entitlements.

The definition of disability varies by policy, but generally, it means you are medically unfit to perform some or all of your regular job duties. Understanding policy-specific definitions is key to maximising your income protection claim benefits.

Your injury or illness doesn’t have to be work-related. Coverage often includes physical conditions like heart attack, cancer, chronic illnesses, sports injuries, car accident injuries, and injuries sustained at home. Psychological conditions include anxiety, depression, PTSD, bipolar disorder, schizophrenia, and other psychotic disorders

Since policies vary, it is crucial to review your specific TPD insurance criteria. Before making a claim, contact Wyatts’ TPD claim lawyers at 1800 773 880 to evaluate your eligibility chances.

Once your claim is approved, you’ll receive benefits until the end of your benefit period, which depends on your policy. Payments typically last:

• Two years
• Until you turn 65
• Until you’re fit to return to work (whichever comes first)

The time it takes to process an income protection claim depends on your policy’s waiting period, which is typically anywhere from 2 weeks to 3 months. For a more accurate estimate, it’s best to consult an expert lawyer who can review your policy and personal circumstances to give you a clearer timeline.

Wyatts operates on a No Win, No Fee basis, meaning you won’t pay legal fees unless your case is successful. This allows you to pursue your claim without financial risk. Always check what is covered under the No Win, No Fee agreement to avoid unexpected costs.

Wyatts’ income protection lawyers will guide you through the whole process. We have clients with:

• New TPD Claims – If you haven’t started your TPD claim yet, we will handle the whole process for you. You won’t pay us until we get you a lump sum.
• Rejected TPD Claims – If your TPD claim has been denied, our experienced lawyers will assess your case over the phone and give you free advice on what to do next.
• Eligibility Check – Not sure if you’re eligible? Our TPD lawyers will review your policy for free and tell you if you can make a claim.
• Understanding the Entitlements – Struggling to understand your TPD entitlements? We will break it down for you – at no cost.