Income Protection Claims Assistance

We specialise in Trauma Insurance, Income Protection, and Total Permanent Disablement (TPD) claims, particularly where an insurer has wrongly declined, delayed, or underpaid your entitlement. Our focus is on helping clients challenge unfair decisions and secure the benefits their policies are designed to provide.

What Is Disablement Insurance?

Disablement Insurance—often included within Income Protection, Total and Permanent Disablement (TPD), or Health‑related benefit policies—provides financial support when an injury, illness, or medical condition prevents you from working. Policies typically cover situations where you are:

  • Unable to perform the duties of your own occupation, or

  • Unable to work in any occupation for which you are reasonably suited by training or experience.

Because insurers often apply restrictive interpretations of “disablement,” many valid claims are incorrectly declined. We help clients interpret their policy, challenge adverse assessments, and present evidence needed to prove entitlement under New Zealand insurance law.

How These Policies Respond at Claim Time

Total Permanent Disablement (TPD) Insurance

TPD policies pay a lump sum when a person becomes permanently disabled and cannot return to work due to injury or illness.

Income Protection Insurance

Income Protection pays a monthly benefit if illness or injury prevents you from performing the duties of your own occupation. These claims are often disputed on the definition of “unable to work,” medical assessments, or vocational reviews.

Trauma (Critical Illness) Insurance

Trauma Insurance pays a lump sum when you suffer a specified medical condition such as cancer, heart attack, or stroke. It is frequently packaged together with life insurance policies.

Our Expertise - INSURANCE LAW EXPERTS

We help policyholders understand their insurance contracts, navigate the claims process, and maximise the benefits available under their TPD, Income Protection, and Trauma policies.
We also represent clients whose insurers have:

  • Declined the claim

  • Deferred the claim

  • Delayed or frustrated the process

  • Applied restrictive or incorrect policy interpretations

  • Relied on flawed medical or vocational assessments

Our approach is focused, strategic, and grounded in extensive experience challenging major insurers in New Zealand.

For more detailed guidance on how to challenge a declined claim, see our article:
Challenging Insurance Claims in New Zealand: Your Rights and Options

To view a selection of media coverage involving insurance disputes and client outcomes, visit:
Media – Tim Gunn Lawyers

Talk to Us About Your Insurance Claim

If you are facing difficulties with a TPD, Income Protection, Trauma, or any health or life insurance claim, we can help. We will:

  • Review your policy

  • Assess the insurer’s decision

  • Advise you on your best strategy

  • Advocate on your behalf to secure the full benefits you are entitled to

Please contact us today to discuss your insurance dispute.