Practical claim answers
This glossary gives short, plain-English definitions for terms commonly found in CTP, workers compensation, public liability, medical negligence and superannuation TPD material. It is a reading aid, not a substitute for the full decision, legislation, policy or medical report. This is general information only. The position depends on the claim pathway, facts, evidence, dates and current law or policy wording.
Terms such as liability, causation, capacity, permanent impairment, weekly payments and TPD describe different questions. Their meaning and effect depend on the claim pathway, the document using the term and the current rules or policy wording.
A general definition cannot decide eligibility, liability, a medical classification or the value of a claim. The controlling meaning may come from legislation, a policy, a guideline or a specific decision.
This glossary gives short, plain-English definitions for terms commonly found in CTP, workers compensation, public liability, medical negligence and superannuation TPD material. It is a reading aid, not a substitute for the full decision, legislation, policy or medical report.
Terms such as liability, causation, capacity, permanent impairment, weekly payments and TPD describe different questions. Their meaning and effect depend on the claim pathway, the document using the term and the current rules or policy wording.
Read the term in its source. A medical report may use “capacity” differently from an insurer decision, while “impairment” is not automatically the same as disability, work incapacity or compensation.
Start with complete source records rather than a label or summary. Keep the complete letter or report, its date, author, attachments and any definition section. Mark the exact sentence causing concern rather than relying on a word copied out of context.
A general definition cannot decide eligibility, liability, a medical classification or the value of a claim. The controlling meaning may come from legislation, a policy, a guideline or a specific decision.
A common mistake is treating similar-looking terms as interchangeable, especially impairment, disability, incapacity, liability and negligence. Keep the original decision or source document and separate confirmed facts from assumptions.
Prepare a short chronology, identify the decision or question causing concern and send only the key records first. If a response date is stated, do not wait for every document before asking what to do next. Read the term in its source. A medical report may use “capacity” differently from an insurer decision, while “impairment” is not automatically the same as disability, work incapacity or compensation.
Send your claim detailsDocuments and records
These records help identify the claim pathway, decision-maker, evidence gaps and any time-sensitive issue.
Common questions
Short general answers only. The right next step depends on the facts, dates and documents.
No. They usually involve different legal or policy pathways, decision-makers, evidence and possible benefits. One event can sometimes raise more than one pathway, but each must be assessed separately.
Keep the complete letter or report, its date, author, attachments and any definition section. Mark the exact sentence causing concern rather than relying on a word copied out of context. Keep dates, authors, attachments and the complete wording so the material can be read in context.
A general definition cannot decide eligibility, liability, a medical classification or the value of a claim. The controlling meaning may come from legislation, a policy, a guideline or a specific decision. It organises the issue but does not predict or guarantee a result.
Read the term in its source. A medical report may use “capacity” differently from an insurer decision, while “impairment” is not automatically the same as disability, work incapacity or compensation. Seek prompt advice if you have a rejection, payment change, settlement proposal, missing records or a stated response or review date.
General injury enquiry
Tell us where and when the injury happened, what has changed since, and whether an insurer, employer or super fund has contacted you. The enquiry can then be directed to the likely pathway.
