Hi Jo, welcome
My daughter 33yo, was successful making a claim for superannuation insurance payout for TPD. Also I'm now retired but was heavily involved in insurance investigations for fraud and am familiar with the industry.
Your biggest challenge IMO is the acceptance of the DNA of the industry in that it is chaotic, enduring, stressful and spaced out over years. If you accepted that the claim will go on for many years and you wont be saying "cant wait till its over" then you have an opportunity for justice. This problem effects those that expect the claim to be over and settled in a couple of years, few medical examinations (interrogations) and explosions of expected payouts. For this reason most elect to seek solicitor services expert in the field of TPD.
There's a saying in the Army "you cant rush the green machine". Meaning, in your case you have zero control over it's pace. As I said, accept that and in the meantime get on with living while the claim does its thing and you'll be happier.
Save every piece of paperwork for your solicitor. Write down a detailed account for your injury/ies so it saves the solicitor contacting you (again allows you to live life happier) and I see no reason why you cant make your claim and go through with it. You could also ask your solicitor to email you questions instead of ringing, this gives you time to process the questions instead of trying to come up with answers immediately. Much more relaxing.
You have the right to make a claim and with legal endorsement you can make such a claim whether successful or not. I wish you well. My daughters quality of life was improved with her successful claim and assisted her in buying land for a house and a easier future financially.
Good luck. I hope I've helped.
TonyWK
