Can I Work After a TPD Claim?

When you file for a TPD claim, you have gone through an illness or an injury that is so bad, you are not able to return to work. In some cases, you may not be able to return to work at all, and in others, you may be able to return to some type of work, but not the same type that you did before. When the latter happens, you may wonder whether you are allowed to work after making that TPD claim.

According to TPD Claims Lawyers, when you make a TPD claim, it is generally dispersed because you are no longer able to work. The TPD Lawyers in Brisbane say, if you do go back to work at a later time, then you may need to pay back some or all of the benefits that you received. It will depend on the policy. Some policies do not allow you to return to work ever, while others allow you to return to work, as long as it is not in the same role or field that you were in at the time of disbursement. Whether you are allowed to return to work after a TPD claim will depend on your policy.

Before you sign up for TPD insurance, it is a good idea to read through your policy and learn all the specifics about what will happen if you file a claim. Let’s take a closer look at a TPD claim and see whether you are able to return to work or not once you receive a payout from your policy.

Can I Go Back to Work When I Do a TPD Claim?

Whether you are able to go back to work after a TPD claim will depend on the policy that you have. Some will not allow you to go back to work and if you do attempt to do this, you will be held responsible for paying back some or all of the payout that you were given as part of your claim. This is because you were awarded the amount based on the fact that you were no longer able to work. If you do go back to work, then this proves you did not have a total disability and did not need the payout. The exact terms and amounts will be outlined in your policy.

However, some TPD policies will allow you to go back to some sort of work in the future, if your disability allows it. Generally, you will not be allowed to go back to the same line of work that caused the illness or injury, since the payout was given with the assumption that you could no longer do that kind of work ever.

It is possible that you could take on other forms of work as another income stream though and not have it hurt your payout. If you worked in manufacturing, you may not be able to do that, but you could go into teaching or consulting in that field instead, or take on a new career path that allows you to work with your disability. Again, the exact terms of how you can go back to work will depend on the terms in your policy.

Reasons to Go Back to Work After a TPD Payout

There are different reasons you may go back to work after a TPD payout. Maybe there are new treatments for your condition, such as a new surgery or medication that allow you to heal the injury and can solve some of the disability. If this happens and you are then able to go back to work, it is possible to go back to work without having to return any of your TPD payments.

The reason for this is that at the time your claim was assessed, it was believed that there would be no future medical advancements that could help you. If a treatment happens before the payout occurs, it could impact your claim based on the treatment is effectiveness.

If it happens a number of years later and effectively helps your disability, then you will not be penalized for that and can go back to work, even after getting a payout.

Deciding to Work After a TPD Claim

If you are thinking about going back to work after a TPD claim, then you need to take a look at the policy and some of the requirements listed out when you got the lump sum amount for your claim.

This will tell you whether you are allowed to go back to work at all and what will happen if you do decide to seek out employment again.

If you are worried about the disbursement or need help getting your questions answered, finding a lawyer or another qualified representative may be the best decision.