Can I Get TPD Compensation for Carpal Tunnel?

1 March 2024 | Total and Permanent Disability

A carpal tunnel compensation payout may be available through TPD cover. It all depends on whether the carpal tunnel meets the definition for Total and Permanent Disability.

Carpal tunnel syndrome can be debilitating. Pain and weakness in one or both hands often makes it difficult or even impossible to do certain jobs. If carpal tunnel syndrome isn’t treated in a timely fashion, damage to the nerves in the wrist may be permanent.

TPD Compensation Lawyers can determine if you are entitled to a carpal tunnel compensation payout. Call us at 03 9966 7188 today for a FREE consultation.

What Is Carpal Tunnel Syndrome?

Though the condition is sometimes called ‘carpal tunnel’, the carpal tunnel is actually part of the human anatomy. It is a narrow passageway in the wrist through which the median nerve and tendons travel. The median nerve is responsible for motor function, sensory function, and fine motor skills in the forearm and hand.

Carpal tunnel syndrome occurs when the median nerve is compressed or squeezed as it passes through the carpal tunnel. This compression can result in the following symptoms in the affected hand and fingers:

  • Pain
  • Numbness
  • Tingling
  • Weakness

Repetitive hand motions are a major risk factor for carpal tunnel syndrome. Multiple occupations require these movements, from office workers and hairdressers to chefs and professional musicians. Carpal tunnel syndrome may also occur as a result of regular and repeated use of vibrating tools.

Carpal tunnel syndrome is not always work-related. According to healthdirect, the carpal tunnel may also become narrowed due to medical conditions such as rheumatoid arthritis and diabetes. The median nerve may also be compressed by a tumour or cyst in the carpal tunnel.

If you are experiencing the symptoms of carpal tunnel syndrome, you should book an appointment with your GP as soon as possible. Prompt diagnosis and treatment are crucial for achieving a better outcome.

When Is Carpal Tunnel Syndrome Considered a Disability?

Entitlement to TPD compensation is entirely based on whether you have a ‘Total and Permanent Disability’ as determined by the super insurer. TPD insurance policies establish a threshold claimants must meet to receive a payout.

You may be entitled to a carpal tunnel compensation payout if:

  • Your condition prevents you from doing your job (‘own occupation’ cover).
  • Your condition prevents you from doing your current job AND any other job for which you have the necessary education, training, and/or qualifications (‘any occupation’ cover).
  • Carpal tunnel syndrome prevents you from performing certain ‘activities of daily living’ (‘activities of daily living’ cover).

If you have carpal tunnel syndrome, you may find it difficult to type on a computer keyboard, grasp tools and objects, and perform repetitive tasks involving fine motor skills. The pain can lead to diminished productivity and make it difficult to focus on your job.

You may be entitled to a TPD payout if these scenarios apply. A lawyer specialising in TPD claims can review the insurance cover through super and see if your condition meets the applicable threshold.

Proving Your TPD Entitlement

Carpal tunnel syndrome is considered a musculoskeletal disorder. Musculoskeletal disorders make up 30% of disability cases in Australia.

While disability due to conditions like carpal tunnel syndrome is common, that also means superannuation insurers see a significant volume of claims for musculoskeletal disorders. As a result, they are more likely to scrutinise TPD claims for these conditions.

Read More: What Are the Most Common TPD Claims?

Strong medical evidence is essential for getting your TPD claim approved. Most applicants don’t know this going into the process, nor do they know what kinds of records and information the super insurer is looking for.

A knowledgeable TPD lawyer can help prove that you are entitled to a carpal tunnel compensation payout. Important steps a lawyer will take on your behalf include:

  • Thoroughly reviewing your medical records, including the diagnosis, treatments you have received, and the prognosis for your condition.
  • Speaking with the doctors and other medical professionals involved in your care to gain a complete understanding of how carpal tunnel syndrome impacts your life and your ability to work.
  • Ensuring that your medical records fully reflect the pain and impairment you experience.
    – We often find that medical documentation doesn’t adequately convey the severity of the client’s condition, making it difficult to prove entitlement to TPD compensation.
  • Hiring medical and occupational experts to provide statements in support of your claim.
  • Advising you of additional medical examinations you may need to undergo before submitting your application.

Specialist lawyers can also aid you in finalising the TPD application and submitting it to the insurer. Your lawyer can handle communications with the insurance company if they request more information or, if the claim is rejected, appeal the decision and strive to negotiate a favourable settlement on your behalf.

Find Out If You Qualify for a Carpal Tunnel Compensation Payout

Obtaining a TPD payout for carpal tunnel syndrome can be difficult. Insurance companies often try to argue that the condition is treatable, or that you can still work in spite of the symptoms.

At TPD Compensation Lawyers, we know that hand and wrist issues can seriously jeopardise your occupation. Total and Permanent Disability compensation can help you pay for medical treatment, make up for lost income, and provide you with peace of mind. Our goal is to obtain the payout you deserve.

For a FREE consultation, contact TPD Compensation Lawyers today. Our lawyers handle TPD claims on behalf of individuals with carpal tunnel syndrome and other conditions throughout Australia.