Grappling with issues in Total and Permanent Disablement (TPD)

Increased awareness amongst lawyers of group life TPD policies within superannuation packages, and reductions in benefits in statutory schemes, have lead to very significant increases in claims on and litigation over TPD policies in recent years.  The number of firms acting on both sides of the record has grown rapidly, with more and more lawyers now grappling with issues in TPD.LifeInsurance.jpg.pagespeed.ce.QRPegAOn0B

While the underlying factual questions about capacity for work or employability are the same as those that arise in other areas of personal injury law, the contractual basis of the cause of action means that the legal tests to be applied are particular to this field, and to the terms of each policy. Continue reading