15 January 2019
Matter Type: Income Protection & TPD Claim | Google Review
To whom this May Concern, I am writing this to let you know that Firth’s did a fantastic job in representing me during my IP and TPD claim. Specifically my thanks go to Julien, Isabella, and Brianna!
This process is one which is extremely difficult, and one where the banks know they have money and time on their hands. Our case was 99% proven and yet we were denied repeatedly over a 4 year period. We had 7 doctors and over 1200 pages of reports, assessments, and other proof backing my claim.
With every bit of proof we proffered we were again allayed by further requests for me to see more, and more of “their” own specialists and at every turn the bank/super fund made the visits as difficult as possible both physically and psychologically. Yet we persevered.
What made this process bearable is that Firth’s team (especially Julien, Isabella, and Brianna) ensured we were able to meet telephonically to discuss issues, explain legalities, and review new information as it became available.
This past November/December (after 4 years we were ready to go to court enough was enough) Julien, and Isabella wrote a final statement of facts arguing every single ridiculous issue the bank/super fund had tried to state as a reason for denial. It was a beautiful document many pages long, that after reading it I could only find two very minor corrections...it was so perfect in fact that it reminded me of many things I had forgotten, and made me realise that this document would definitely be something I was going to take to court (I truly believed that the bank would ignore it like so many other previous letters, statements, communications)...and what happened? On the 13th day they cried “uncle” and Firth’s was contacted letting them know they were paying the claim!
I truly believe that once the bank/super fund saw this last signed statement with everything laid out, with reference to their own doctor’s improper evaluations, with one of their own doctors even stating without a doubt I am tpd they knew they had lost and if it went to court they were sure to lose and would end up paying hundreds of thousands more in fees, interest, and other expenses.
I know to anyone reading this that the worry about costs, fees, and everything involved is a concern...I’m here to tell you that as long as you are open and honest, and that you document everything and provide it to Firth’s team...they will fight for you. Just understand that this process can and most likely will take years of your life...the banks/super funds/insurance companies look at you like a number that hurts their profits...you mean nothing to them...but at Firth’s (especially Isabella, Julien, and Brianna)they will treat you like a person, one in need of help.
I highly recommend Firth’s to anyone in need of help regarding TPD or IP claims! They are truly awesome! Sincere Regards
- S Davis