TPD Claims

Thinking about hiring an insurance claim lawyer for your super claim? Before you do, understand the difference between a lawyer and a claims specialist — and which one is actually right for your situation.

A TPD payout is a significant sum, but how much of it you actually keep depends on your age, how your super fund holds the benefit, and how it's accessed. Here's what you need to know before your claim settles.

A cancer diagnosis changes everything. What many Australians don't realise is that their super fund may owe them a significant lump sum, separate from treatment costs and Centrelink. Here's how TPD and life insurance claims work for cancer patients.

Millions of Australians have TPD insurance inside their super fund but don't know which conditions and diagnoses actually qualify. Here are the most common TPD claims we see, and what it takes to succeed.

Back and spinal injuries are the leading cause of TPD claims in Australia, yet thousands of eligible Australians never claim. If a back or spinal condition has ended your ability to work, your super fund may owe you a significant lump sum. Here's what you need to know.

The single most common reason TPD claims are delayed or denied in Australia is insufficient medical evidence. Here's exactly what you need to gather, and how to make sure it says the right things to your insurer.

Most Australians making a TPD claim have no idea how long the process actually takes, and funds rarely tell you upfront. Here are the honest, realistic timeframes you can expect, and what causes delays.

Most Australians have no idea how to actually lodge a TPD claim through their super fund. This step-by-step guide walks you through every stage of the process, what to prepare, and what to watch out for.

Before you hire anyone to help with your TPD claim, understand exactly how legal and claims fees work, what no-win no-fee really means, and what you should actually pay.

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.

The difference between 'any occupation' and 'own occupation' TPD definitions is one of the most important things to understand before lodging a super insurance claim. It determines how high the bar is set, what evidence you need to meet it, and whether a denial can be challenged. This guide breaks down both definitions in plain language and explains how to identify which one applies to your policy.

The average TPD payout in Australia is around $200,000 to $440,000, but individual amounts vary enormously based on your super fund, your insurance cover level, and when you last worked. Some claimants receive under $50,000. Others receive over $1 million. This guide explains what determines your TPD payout amount, how to find out what you are actually covered for, and what commonly reduces the final figure.

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