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As a single working mum with two kids, life was busy for Mary. The daily logistics of kids, school, work and trying to fit in a bit of exercise was hectic, but Mary was coping. But in 2015 Mary received devastating news that plunged her life into chaos.
At first Mary simply put it down to fatigue. She knew something wasn’t right and eventually got around to seeing a doctor, but when she was referred to several specialist appointments, she grew very concerned. Mary was asked to come to one more appointment, where she finally got her devastating diagnosis – she had Multiple Sclerosis.
The next three years became an increasing struggle for Mary. Some days were better than others, but juggling her home duties, caring for her kids, and working to pay the bills got harder as her condition worsened. Mary grew increasingly concerned for the future, and how she would support herself and her children. Her employer had been supportive, but as she needed more and more days off, she realised it couldn’t continue. Eventually work simply became too much, and Mary was forced to resign from her job.
The phone call from Mary’s sister came out of the blue. “Have you looked into making a TPD claim?” her sister asked. Mary had never heard of TPD and had to Google it. She soon learned that TPD (total and permanent disability) insurance is included in most superannuation policies and is there to pay out a lump sum if you’re unable to work. Mary’s first thought was that she was sure she didn’t have TPD insurance since she’d never even heard of it. But an ad for Law Partners caught her attention, offering to check her super policies for her to see if she was covered.
Mary called the number in the ad, and was put through to Jen, a TPD specialist at Law Partners who asked her about her condition and when she had stopped working. Mary was surprised at the time Jen took to listen to her, and she felt at ease talking to her. She got a sense that Jen really understood her situation and wanted to help. Then Jen asked what superannuation polices she had. Mary didn’t know and was embarrassed to admit that she literally had 10 years of unopened super statements in a box. Jen seemed completely unphased by this and simply asked: “can you drop them off at our office?”.
Three weeks after dropping off the box and signing some consent forms, Mary got the unexpected phone call that changed her life. “It’s Jen from Law Partners. We had a look through your super statements and spoke to you super funds, and we’ve got some good news. It looks like you’re entitled to a little over one million dollars in TPD lump sum payments”.
Mary was completely shocked but felt an immediate and incredible sense of relief, that she could stop worrying about her financial situation and focus on her health and her children. It turned out Mary had five separate TPD policies through different super funds that had been set up for her through different employers. Jen took care of Mary’s claims, and since Law Partners has a no win no fee policy, Mary didn’t have to pay any fees until after she had received her payout, which was more than $1 million.
If you’re unsure about whether you have TPD insurance cover, call Law Partners on 13 15 15 and take advantage of their free super check service. With your permission, Law Partners will contact your super funds for you and find out what cover you have. They can also manage your claims for you on a no win no fee basis, so you only pay their fees after you receive your lump sum TPD payout.
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