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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
Can I Work While My TPD Claim Is Being Assessed?
Working during a TPD claim assessment is one of the most misunderstood areas of super insurance. The answer is nuanced, it depends on how your fund defines TPD, what work you're doing, and how transparent you've been. Here's what you need to know.
Victoria Meszaros
Jun 910 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
Why Mental Health TPD Claims Get Denied More Often, and How to Fight Back
Mental health conditions are among the most frequently denied TPD categories in Australia. If your claim was rejected, it doesn't mean you aren't eligible, it means you need a stronger case. Here's what you need to know.
Victoria Meszaros
Jun 710 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
What to Expect When Insurers Request an Independent Medical Examination (IME)
When your super fund's insurer requests an Independent Medical Examination, it can feel alarming, and it should be taken seriously. Here's what an IME really is, who the doctor works for, and how to protect your claim.
Victoria Meszaros
Jun 412 min read
What 'Activities of Daily Living' Means for Your TPD Assessment
If your super fund or insurer has mentioned 'Activities of Daily Living' during your TPD assessment, it's important to understand what this means, and what it doesn't mean, for your claim.
Victoria Meszaros
Jun 313 min read
How Long Can an Insurer Legally Delay Your Super Claim?
Waiting months for a decision on your super insurance claim with no update? You have rights. Here's what Australian law says about insurer delays, and what to do when a delay becomes unreasonable.
Victoria Meszaros
Jun 29 min read
8 Common Reasons Super Insurance Claims Get Rejected
A rejected super insurance claim is devastating, but it's not final. Here are the eight most common reasons claims are denied in Australia, and exactly what you can do about each one.
Victoria Meszaros
Jun 110 min read
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