REDCLIFFE, Australia - AussieJournal -- Where a person has sustained a psychological injury or has a psychological illness which is preventing their ability to work, investigations should be undertaken to determine whether the person has insurance policies either held privately or through their superannuation accounts for Income Protection and Total and Permanent Disability Benefits.

Generally, an Income Protection benefit is payable where the person is temporarily unable to work as a result of the injury or illness and meets the qualifying criteria of the policy waiting period. Many income protection policies entitle the injured person to approximately 75% of their pre-injury income payable as a monthly benefit for up to a period of 2 years or even to retirement age in privately held policies.

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Total and Permanent Disability insurance policies generally require a person to establish that by virtue of their injury they are no longer fit to work in any capacity to which they may be suited to by way of education, training and experience. Whilst this is not an easy threshold to meet, where a person is suffering from a significant psychological injury or illness, their ability to work can be severely compromised and establishing an entitlement to a Total and Permanent Disability benefit is very possible.

Given the prevalence of psychological injuries and their very debilitating effects, it is important that legal advice be sought at an early stage to maximise your protection.

The experienced personal injury lawyers at Crew Legal have extensive experience in advising people in respect of their rights to compensation. To learn more, visit -https://crewlegal.com.au/.