Claiming on Total Permanent Disability Insurance
Why not let Resolute Claims manage your Total Permanent Disability Insurance claim?
From start to finish we will take care of everything, allowing you to focus on you and your health.
Claiming on Total Permanent Disability Insurance
Resolute can take care of every aspect of your Total Permanent Disability claim. TPD claims can be complex and time consuming and require substantial medical supporting evidence. Resolute will manage every aspect of your claim ensuring you have the best chance of success. We will speak to the insurance company and deal with all the paperwork. You’ll be assigned a specialist Total Permanent Disability Insurance consultant who will be with you throughout your claims journey.
The main benefit of using our service is that it gives you time back and allows you to focus on getting better. You can be assured that your claim is in excellent hands with our experienced and skilled advisers there for you every step of the way.
How to Claim on TPD Insurance
Of course, you can make a claim yourself. You can visit our FAQ page here for more information on what to expect.
Help Claiming on Total Permanent Disability Insurance
Resolute Claims are experts in helping customers claim on their Total Permanent Disability insurance. We have secured millions of pounds of insurance payments for customers. If you use our service, you can rest assured that you’re in good hands.
What Will Resolute Claims Do?
When you call Resolute Claims (or book an appointment here for a call back) you will be assigned an individual claims consultant. Their role is to manage every aspect of your claim, provide regular updates on how your claim is progressing and be the main point of contact if you have any questions.
We will fill in all forms and speak to the insurance company on your behalf. We will regularly chase for information to be assessed and make sure they are no unnecessary delays.
What Information do You Need to Claim on my TPD Insurance?
Your claims consultant will explain exactly what we need on the call, but this might include:
- Histology report, hospital discharge report (any medical information that confirms your diagnosis)
- GP and Consultant’s details
- Occupational health assessment (if unable to work again)
- Two forms of ID for the person contacting us
- Details of the Insurance Policy (Policy schedule or any correspondence from the insurer)
This information will ensure that your claim proceeds smoothly and is assessed as quickly as possible.
To give people flexibility we offer two charging structure that are designed to suit our customer’s individual needs. Customers can either pay an upfront fee or chose to work on a no win no fee basis. This means if we are not successful in making a claim, you do not have to pay us anything.
We would always suggest speaking to friends and family before deciding what to do next.
If you would like to find out more about our fees and charges, they can be found here (under the help to claim table).
What is a Total Permanent Disability?
To be considered for a TPD pay-out your condition must severe enough that you are permanently unable to carry out certain daily living tasks or carry out your own (or any) occupation again.
Insurance companies set a high bar when assessing these types of claims and often drag on for months (and even years) by requesting never ending amounts of medical reports and information.
ME, Fibromyalgia and Chronic Fatigue Syndrome (CFS) and TPD Insurance
Most of the enquiries we receive about claiming on Total Permanent Disability Insurance relate to either ME, Fibromyalgia and CFS. These conditions can be debilitating with symptoms as severe as those with cancer and MS. Often these symptoms can fluctuate, and people may have “good” days but often their lives are changed dramatically due to their symptoms.
Some people impacted by these conditions may also be under the care of several medical professionals, and this can mean it’s harder to get an encompassing medical opinion on someone’s current medical situation.
Generally speaking, someone will need to have been receiving treatment for the above conditions for a year or so before an insurance company will consider a claim (or at least six months). This is because NHS literature states that these conditions (if they are going to improve) should do so by around six-twelve months.
Resolute Claims have an expert understanding of these conditions and how they relate to TPD insurance. We suggest speaking to one of our specialists before making a claim.
Mental Health and TPD Insurance
Mental health conditions such as anxiety, depression and stress are common reasons to claim on a TPD insurance policy. As with CFS, ME and Fibromyalgia, the bar insurance companies set to accept these claims is very high.
Someone will often have to have undergone extensive treatment before the insurance company will consider a claim.
How Long Does It Take for a Total Permanent Disability Insurance Pay-Out?
The time frame on a TPD claim can be dependent on how far your condition has progressed and how much future treatment is planned. We have seen claims take as little as six weeks and as long as four years.
What To Do Next
If you are interested in our service, you can speak to one of our consultants for free information and guidance on 0333 050 8792. You can also chat with a consultant online using our webchat function or book an appointment here.