Case Studies

Male 34 year old security guard – lower back injury – TPD claim

After suffering a significant lower back injury in a motor vehicle incident Mr B claimed TPD benefits with the assistance of Turner Freeman.  With a prior work history including physical roles in the Army and as a security guard Mr B was now precluded from working within his education, training and experience.  He had 2 super funds and claimed on both.  Both super funds paid benefits after two insurers independently agreed that Mr B was TPD.

Male 56 year old advertising executive – chronic fatigue – TPD claim

Mr M was an advertising executive with a long history working in stressful corporate environments.  After being diagnosed with chronic fatigue he had to cease work due to the severity of his symptoms.  After lodging a claim himself the insurer made a preliminary decision to decline the claim.  With the assistance of Turner Freeman Mr M disputed the preliminary decision, made comprehensive submissions, obtained further evidence and convinced the insurer to pay the full TPD benefit.

Female 54 year old gaming compliance officer – sleep disorder, depression and chronic arthritis – TPD claim

After pursuing a claim with other lawyers Ms O’s claim for TPD benefits was rejected and an internal review failed.  Turner Freeman were engaged to dispute the claim and obtained further targeted and comprehensive medical evidence confirming TPD status.  Court proceedings were issued and prosecuted and the claim settled favourably after alternative dispute resolution resulting in a finding of TPD and payment of full statutory benefits plus interest and 90% of the insurance benefit owed.

Male 55 year old mining planner – chronic blood disorder, depression and lower back injury – Salary continuance claim

Having lodged a claim for salary continuance benefits through his employer Mr M’s claim was rejected by the insurer after obtaining a general report from a specialist who was not qualified in the medical area of concern.  Mr M engaged Turner Freeman who obtained targeted medical evidence from appropriate specialists and further evidence from the employer.  Turner Freeman then lodged an internal dispute using a dispute mechanism available under the policy.  After comprehensive submissions and continual follow up from Turner Freeman the insurer overturned their decision, accepted the claim and back-paid all benefits owing.

Male 55 year old cleaner – heart attack – TPD claim

After consulting other lawyers Mr A was told he did not have any insurance benefits on his account with Australian Super.  After referring to Turner Freeman’s super claims website Mr A sought further advice.  Turner Freeman undertook a comprehensive investigation and found 6 other accounts held by Mr A with the same super fund that had been opened each time Mr A had commenced new casual employment periods with the same employer.  Multiple insurance coverage was available including a policy current at the time Mr A ceased work.  A claim was lodged and pursued by Turner Freeman despite the date last worked being more than 10 years ago.  The claim was successful and Mr A received full benefits under the policy and early access to his superannuation balance.

Male 42 year old meatworker – lower back injury and depression

Mr A was an Afghani immigrant who did not speak English but had secured a stable job in a meatworks in Australia.  After suffering a severe lower back injury at work he was unable to work and developed depression as a result.  He was told by his super fund that he was not entitled to claim as he was too young.  Mr A engaged Turner Freeman to assist.  Turner Freeman extensively investigated the claim and obtained medico-legal opinions from a neurosurgeon and an occupational therapist that Mr A faced insurmountable barriers to returning to any work.  Turner Freeman lodged and prosecuted a claim with the super fund who had said there was no entitlement.  The fund’s insurer accepted the claim and full TPD benefits were paid.

Female 54 year old motel owner – neck injury and depression

After struggling for years in pain Ms F was forced to sell her business and was unable to work.  Ms F contacted Turner Freeman to see if she was entitled to any insurance benefit for TPD pursuant to a business insurance policy.  Turner Freeman investigated the policy and also discovered a further TPD policy available through super.  Comprehensive medico-legal opinions were obtained and detailed submissions prepared by Turner Freeman and claims were pursued under both policies.  The insurer for the business policy conducted a retrospective underwriting investigation that revealed some minor medical complaints had not been disclosed at the time the policy was applied for.  The insurer decided to try and void the policy completely.  Turner Freeman disputed that decision and were successful in having the insurer honour the policy.  Both claims were paid in full.

Male 33 year old car detailer – lower back injury and pain disorder – TPD claim

After suffering a significant lower back injury Mr M claimed TPD benefits with the assistance of Turner Freeman. The back injury resulted in a significant pain disorder and psychiatric injury. With a prior work history only in manual roles he was now precluded from working within his education, training and experience. He had 2 super funds and claimed on both. Both super funds paid benefits after two insurers independently agreed that Mr M was TPD.

Female 53 year old project manager – sexual assault and Psychiatric injury – TPD claim

After being assaulted by a co-worker in a motel Ms B developed a significant and debilitating psychiatric disorder which affected all aspects of her life. She tried multiple times to return to work but was unable to function due to her ongoing mistrust of co-workers. She lodged a claim with the assistance of Turner Freeman. The insurer initially rejected the claim suggesting that the return to work attempts were evidence that the claimant was not TPD. Turner Freeman promptly issued and prosecuted District Court proceedings which led to a settlement of the claim on a plus interest and costs basis.

Male 58 year old motor mechanic – upper limb and back injuries – Income Protection and TPD claim

Mr B suffered a significant injury to his shoulder over a period of time working as a truck mechanic. He had also suffered a lower back injury. Turner Freeman prepared a comprehensive claim submission and gathered supporting medical evidence from a variety of sources. This work helped Mr B to initially access 2 years of back paid income protection and then a further TPD lump sum.

Male 29 year old seafarer – traumatic fracture and partial amputation – TPD claim

Mr C suffered a partial leg amputation which was reattached in surgery as well as an open leg fracture in a motorbike accident. After a long hospital admission and rehabilitation he was unable to return to work at sea which was his only career. Turner Freeman prepared a comprehensive claim submission and gathered medical support as to the claimant’s work capacity including specific specialist opinion and lodged a claim. The insurer and trustee paid the claim without dispute.

Female 46 year old aged care worker – wrist fracture – TPD claim

After tripping and falling at a resident’s home Ms K suffered a fracture of her wrist and damaged tendons. Following surgery to repair the tendons she lost function and movement in parts of the hand and altered sensation and numbness. This caused her to lose grip strength and reduced her lifting capacity and fine motor skills dramatically. She could no longer undertake all of the duties of her job. She tried other manual employment and always struggled until she became depressed and could no longer work at all. Without much formal education she had very few options now. After many years out of work Ms K contacted Turner Freeman for help. Turner Freeman conducted a lost super search and located two accounts which the claimant had forgotten about. Both had insurance policies which covered her periods of employment and disability. Turner Freeman lodged claims and secured a lump sum payment.

Female ex-wife and mother of deceased father’s child – death benefit claim

Ms L was separated from her defacto partner who was also the father of their young child. She was receiving financial support from the deceased pursuant to family court orders. After the tragic death of the father his girlfriend at the time of his death made a claim on his superannuation account and a life insurance benefit attached to it for more than $500,000. The father had signed a binding nomination, naming the next girlfriend as a beneficiary, just months prior to his death. The father also had several other older children to another mother. Ms L was informed of the claim by the trustee of the super fund. She asked her family lawyers for help and they could not assist her. She then lodged a complaint with the Superannuation Complaints Tribunal on her own. When the Tribunal threatened to dismiss the complaint she contacted Turner Freeman for assistance. Turner Freeman gathered evidence and prepared submissions to show that the girlfriend was not in an interdependent relationship with the father and was otherwise not financially dependent on him in any way and therefore not able to be a beneficiary under Superannuation Law. After the Tribunal’s determination and while an appeal to the Federal Court was being pursued the matter settled with a very sizeable payment to Ms L.

  • I have read the Privacy Policy.
  • This field is for validation purposes and should be left unchanged.