When considering TPD insurance, particularly inside super, people are faced with the decision between age-based cover and fixed cover. Each option has its merits, but understanding the differences is key to making an informed choice that suits you.
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We’ve run and won many TPD and income protection claims with significantly complex and tricky hurdles to overcome. In this success story, we delivered our client $1.5 million dollars in TPD and income protection benefits that may ordinarily have been lost to them.
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A lot of people think that they’ll be unable to successfully claim a TPD benefit if the cause of their disability and work incapacity is drug and/or alcohol addiction. But we’ve had a number of successful TPD and income protection claims for people that have stopped working due to addiction issues.
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In June 2022, LUCRF super and AustralianSuper completed a merger. After the merge, LUCRF members became members of AustralianSuper. One important aspect of the merger was the question of what insurance benefits, like TPD and income protection, a LUCRF member would receive after the merger.
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TPD insurance is a product that is often, but not always, held in your super account. This leads many people to be concerned that claiming a TPD benefit will impact on their superannuation money. However, claiming a TPD benefit will not usually impact your superannuation account balance, and here’s why.
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The work we do often focuses on people that are still working after being diagnosed with a chronic illness. We assist them to make sure that they protect their insurance coverage, like TPD, income protection and trauma insurance, in case they have to stop working due to illness in the future.
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