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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


Can I Make a Terminal Illness Claim While Still Working?
A common misconception is that you need to have stopped working before you can access your terminal illness benefit through super. You don't. This guide explains why employment status does not determine eligibility for a terminal illness claim, and what actually matters when you apply.

Victoria Meszaros
May 169 min read


Terminal Illness Claim Checklist: What Your Doctor Needs to Certify
A terminal illness insurance claim through super lives or dies on the quality of the medical certification. This checklist explains exactly what your doctors need to certify, what documents you need to gather, and what Better Claim does to ensure nothing is missing before your claim is lodged.

Victoria Meszaros
May 168 min read


How Fast Is a Terminal Illness Insurance Claim Approved in Australia?
Terminal illness claims are generally processed faster than TPD claims, but the timeframe depends on how well the claim is prepared and lodged. This guide gives you a realistic picture of terminal illness claim timeframes in Australia, what causes delays, and what Better Claim does to keep the process moving.

Victoria Meszaros
May 169 min read


Terminal Illness vs TPD: Can You Claim Both Through Your Super?
Many Australians with a terminal diagnosis also qualify for a TPD payout through their super fund. These are separate insurance benefits, and claiming one does not prevent you from claiming the other. This guide explains the difference between a terminal illness claim and a TPD claim, when you may be entitled to both, and how to pursue them at the same time.

Victoria Meszaros
May 169 min read


'"Life Expectancy Under 24 Months": What It Means for Your Super Insurance Claim'
The phrase 'life expectancy under 24 months' is the legal threshold that determines whether you can access your life insurance benefit early through your superannuation. This guide explains exactly what that phrase means, what your doctors need to certify, and why many valid claims are delayed or declined because of how it is applied.

Victoria Meszaros
May 168 min read


How to Access Your Life Insurance Benefit Early Through Super
Most Australians don't know that a terminal diagnosis can give you the right to access your life insurance payout before you pass away. Your super fund holds this benefit, but it won't come knocking. This guide explains how to access your life insurance benefit early, what the eligibility criteria are, and how Better Claim manages the entire process for you.

Victoria Meszaros
May 169 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


TPD Claim Denied 'Unlikely to Ever Work Again': What It Means and What to Do Next
Received a letter saying you don't meet the 'unlikely to ever work again' test? This is one of the most common reasons TPD claims are denied, and it is frequently wrong. Here's what the standard actually means and how to challenge it.

Victoria Meszaros
May 137 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
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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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