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The 3 Types of Insurance Inside Your Super Fund Explained
Most Australians have three types of insurance sitting inside their super fund right now, and most have no idea. Here's what each one covers and how to check what you have.
Victoria Meszaros
Jun 1810 min read
TPD Claims for Casual and Part-Time Workers in Australia
Many casual and part-time workers assume they have no super insurance, or that they can't make a TPD claim because they weren't working full time. Both assumptions are often wrong. Here's what you need to know.
Victoria Meszaros
Jun 1810 min read
Salary Protection Insurance vs Income Protection Insurance: Are They Different?
Salary protection insurance, income protection insurance, salary continuance insurance. Australians searching for help after an illness or injury run into all three terms and assume they must mean different things. They don't. Here's what they all mean, where you find this cover, and how to claim it.
Victoria Meszaros
Jun 188 min read
What AFCA Is and How to Use It for a Denied Super Claim
Had your super insurance claim denied? AFCA is the free, independent body that can overturn your fund's decision. Here's how the process works and what to expect.
Victoria Meszaros
Jun 1810 min read
Is TPD Insurance Worth It? An Honest Look at the Real Numbers
Is paying for TPD insurance actually worth it? We look at the real statistics, what a payout covers, and why the answer depends more on your circumstances than the premium.
Victoria Meszaros
Jun 176 min read
Income Protection vs TPD: Which One Should You Claim?
Confused about whether to claim income protection or TPD through your super? The answer may be both, and understanding when and why could make a significant difference to your financial recovery.
Victoria Meszaros
Jun 1611 min read
Income Protection and Redundancy: What's Covered and What Isn't
Losing your job through redundancy is stressful enough. If you're also dealing with an illness or injury, the question of what your income protection insurance covers becomes urgent. This guide explains exactly where redundancy and income protection intersect, what is covered, and what your options are.
Victoria Meszaros
Jun 158 min read
Income Protection Insurance for Self-Employed and Sole Traders: What You Need to Know
Self-employed Australians and sole traders often assume income protection insurance doesn't apply to them. In many cases, it does. If you have superannuation and an illness or injury has stopped you from working, your fund may owe you monthly benefit payments. Here's how it works.
Victoria Meszaros
Jun 148 min read
How Much Will Income Protection Pay You? The 85% Rule Explained
Wondering how much income protection will actually pay? This guide explains the 75–85% rule, waiting periods, benefit periods, and what you can realistically expect from your super fund.
Victoria Meszaros
Jun 1311 min read
How Much TPD Insurance Do I Need? A Practical Guide for Australians
The default TPD cover in your super fund may be far less than you actually need. Here's how to work out the right amount of TPD insurance for your life, income, and circumstances.
Victoria Meszaros
Jun 127 min read
How Is Your Income Protection Benefit Calculated? (Waiting Periods, Benefit Periods, and Offsets Explained)
If you're trying to work out what your income protection insurance would actually pay you, this guide explains how your income protection benefit is calculated — the monthly amount, waiting periods, benefit periods, and offsets.
Victoria Meszaros
Jun 118 min read
TPD Payout and Centrelink: What Changes When You're Approved
A TPD payout can affect your Centrelink payments, assets test, and disability support pension entitlements. Here's what to expect and how to plan ahead so you're not caught off guard.
Victoria Meszaros
Jun 106 min read
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