Uni student receives $629k TPD payout for psychiatric injuries.

8 August 2024

Client Stories, Motor Vehicle Accident, TPD / Superannuation

Ali’s ordeal began when he was rear ended by another vehicle on the motorway while driving home from university. He was left with physical injuries to his neck, lower back and arm, but fortunately these were relatively minor.

However, due to the accident, Ali’s mental health deteriorated leaving him unable to attend his full-time uni course, or his two part-time jobs on weekends. His psychiatrist diagnosed him with PTSD, and soon after Ali reached out to Law Partners for help with his CTP motor vehicle accident compensation entitlements.

We took time to understand the full impact of Ali’s accident on his life, helping him with his car accident CTP claim which included money for lost wages, medical treatment expenses, and pain and suffering.

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But Ali’s condition worsened over several months. He was suffering from social isolation, sleep deprivation, depression, anxiety, and flashbacks to the accident which left him unable to drive or work. We identified that Ali could be entitled to a lump sum TPD insurance payout. So, our motor accident team referred Ali to our dedicated total and permanent disability (TPD) team to investigate an additional claim for his psychiatric injuries.

Our TPD specialists got to know Ali personally and listened to his story. We recognised Ali had a legitimate case, but one that would be difficult to manage on his own. Psychiatric TPD claims can be extra challenging for people to navigate without expert legal help, especially for someone as young as Ali, as insurers can be reluctant to approve a payout based on a permanent injury. We were happy to manage the entire claims process for Ali.

We gathered a range of medical and psychiatric reports and prepared detailed statements from Ali to assist our case. The insurer approved our claim, and we got Ali a TPD payout of just over $629,000.

“In a very dark place, Law Partners were like a shining light of hope for my future. Ivana Moconja and the Law Partners team never treated me like a number, they actually listened and cared about my situation,” Ali says. “I’ll never forget their kindness and the way they went into bat for me. I don’t know what my future holds, but I now have the financial assistance to navigate what lies ahead.”