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Over $1 billion in super insurance benefits goes unclaimed every year in Australia. If a serious illness or injury has stopped you from working, you may be entitled to a significant lump sum through your superannuation. Here's exactly how TPD claims work — and what your fund won't tell you.

Making the most of your super insurance payout in the next chapter of life Receiving a total and permanent disability (TPD) payout is a major milestone—often marking the end of a long and stressful claims process. For many, it brings a deep sense of relief, knowing that there’s finally some financial breathing space. But once the money lands in your account, a new question arises: “How do I use this payout in a way that supports my future?” There’s no one-size-fits-all answer

Understanding what conditions may qualify for TPD or income protection When you’re facing serious health challenges, the last thing you want to worry about is money. But if you’ve had to stop working—whether permanently or for the foreseeable future—there may be help available through your superannuation. Most super funds include insurance cover, like Total and Permanent Disability (TPD)  or Income Protection (IP) , which can provide a financial safety net. The big question i

When we think about wellbeing, we often focus on physical health, mental clarity, or emotional resilience. But there’s another vital piece of the puzzle — financial wellness . Whether you're currently unable to work due to illness or injury, navigating the complexities of superannuation, or simply trying to get ahead financially, understanding your relationship with money is key. At Better Claim, we believe financial wellness isn’t just about budgeting. It’s about feeling sec

Going through a major life event—such as becoming Totally and Permanently Disabled (TPD)—can turn your world upside down. Whether the result of a serious illness or injury, TPD not only affects your physical health and work life, but also your mental wellbeing. It's completely normal to feel overwhelmed, uncertain, or even lost during this time. The good news? You're not alone, and there are steps you can take to support your mental health and emotional wellbeing while naviga

Most Australians understand that superannuation helps fund retirement. But what many people don’t realise is that super funds often include default insurance —covering you for things like Total and Permanent Disability (TPD) , Income Protection , and Life Insurance . If you’ve had to stop work due to illness or injury, you could be eligible for a super insurance claim —even if your condition isn’t work-related, or your account is now closed. Unfortunately, confusion about how

You Might Be Covered Without Even Knowing Most people think of superannuation as something for retirement—but there's more to it. Tucked away inside many super accounts is default insurance cover that could support you if illness or injury forces you out of work. If you've never applied for insurance but have a super account, there's a good chance you already have some cover. But how it works—and how to claim it—can be anything but simple. What Is Default Insurance? Default i