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TPD Claims
Everything you need to know about Total and Permanent Disability (TPD) insurance claims in Australia.
How to Make a Successful TPD Claim
Success isn't just about being eligible. It's about how your claim is prepared. Here's a practical guide to making a successful TPD claim in Australia, from evidence to appeal.
Victoria Meszaros
Jul 157 min read
Is There a Time Limit to Claim TPD?
Worried you've left it too late to make a TPD claim? Here's how time limits actually work for Total and Permanent Disability claims in Australia, and why acting sooner still matters.
Victoria Meszaros
Jul 137 min read
When Can You Apply for a TPD Claim?
Not sure if it's the right time to lodge a TPD claim? Here's how to know when you're ready to apply, and why waiting too long can cost you more than applying too early.
Victoria Meszaros
Jul 127 min read
What Is Considered a Permanent Disability?
"Permanent" doesn't mean what most people think it does under a TPD policy. Here's how insurers and super funds actually define permanent disability in Australia.
Victoria Meszaros
Jul 117 min read
Who Is Eligible for a TPD Claim?
Eligibility for a TPD claim depends on more than your diagnosis. Here's exactly who qualifies for a Total and Permanent Disability claim in Australia, and how to check where you stand.
Victoria Meszaros
Jul 108 min read
Am I Too Old to Make a TPD Claim? Age Limits Explained
Worried you're too old to make a TPD claim? Age affects your policy, not necessarily your eligibility. Here's how age limits actually work for TPD claims in Australia.
Victoria Meszaros
Jul 98 min read
What Happens to Your Super After a TPD Payout?
A TPD payout changes more than your bank balance. Here's what happens to your superannuation account, your remaining cover, and your entitlements after a successful TPD claim in Australia.
Victoria Meszaros
Jul 78 min read
Can I Make a TPD Claim If I Have Multiple Super Funds?
If you have more than one super account, you may have more than one TPD policy — and more than one claim. Here's how multiple super funds affect your TPD claim in Australia.
Victoria Meszaros
Jul 68 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
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
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
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
Can You Work After a TPD Payout? What the Rules Actually Say
Approved for TPD but wondering if you can ever work again? The answer is more nuanced than most people think. Here's what your fund's definition actually means and what your obligations are after settlement.
Victoria Meszaros
Jun 86 min read
Superannuation Insurance Payout: What to Expect and How It Works
If you're approaching a super insurance payout, whether for TPD, income protection, or terminal illness, here's a clear guide to what happens, how long it takes, and what the money actually looks like when it arrives.
Victoria Meszaros
Jun 67 min read
TPD Claim Form Explained: What Every Section Actually Means
The TPD claim form is more complex than most people expect. This guide walks through every section, explains what the insurer is actually looking for, and shows you how to avoid the mistakes that lead to delays or denials.
Victoria Meszaros
Jun 57 min read
TPD Insurance in Superannuation: The Complete 2026 Guide
Most Australians with super have TPD insurance and don't know it. This plain-language guide explains how TPD insurance works inside super, how to check if you qualify, what the claim process involves, and what to do if a claim is denied.
Victoria Meszaros
May 2911 min read
Do You Need an Insurance Claim Lawyer? Or Is a Claims Specialist Enough?
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.
Victoria Meszaros
May 178 min read
Tax on Your TPD Payout: What You'll Actually Receive
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.
Victoria Meszaros
May 136 min read
Can You Make a TPD Claim for Cancer?
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.
Victoria Meszaros
May 1310 min read
The Most Common TPD Claims in Australia (And Who Qualifies)
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.
Victoria Meszaros
May 137 min read
NO WIN, NO FEE
Ready to Find Out If You're Eligible?
You've already been through enough. If a serious illness, injury, or disability has stopped you from working, you may be entitled to a significant payout through your superannuation — and you may not even know it exists. Better Claim handles the entire claim process on your behalf, from eligibility check to settlement.
No upfront cost. You pay nothing unless your claim succeeds.
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