It is difficult for many to accept the proposition that they
will never be able to go back to work after an injury or illness,
particularly those who are injured or become ill at a young age.
Those who claim TPD benefits after injury or illness often ask us
if there are any options to return to work after receiving their
TPD payout.
As the insurance benefit amount is generally only paid to you on
the basis that you are unlikely/unable to ever return to any
suitable employment based on your prior work history, to return to
the same or similar work might, in certain circumstances, be
considered to be evidence of a possible fraudulent claim.
It is our experience that clients quite often undertake
retraining in order to return to some form of gainful employment
that they can do which fits within their reduced capabilities and
circumstances. That poses the question: "If I retrain after a
TPD payout, will I be able to return to work in a new
role?"
