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Services
TPD Claim Support assist you by facilitating all interactions with relevant professionals, including your Medical Professionals, Accountants, Insurers, Financial Planners, and Employers. Our straightforward and proven step-by-step process ensures a smooth formal claim application that minimises the risk of lengthy delays and disputes when accessing funds at a critical time.
Superannuation Providers
Superannuation is a way to save for retirement and often comes with group life insurance. When it comes to claims, professional assistance is essential. We specialise in managing direct applications to these funds, ensuring a smooth process for claims related to accidents, illnesses, or even unfortunate events like death or terminal illness. Our expertise is particularly beneficial for first-time claim users, guiding them through complexities to prevent delays or disputes.
Total & Permanent Disability (TPD)
TPD insurance provides a lump sum payment for total and permanent disability resulting from illness or injury. Different insurers have varying definitions of total and permanent disability, offering coverage for either:
- Your Occupation: This entails being unable to work in the job you held before the disability. This coverage is typically more expensive and is often only available outside of superannuation.
- Any Occupation: This involves being unable to work in any job suited to your education, training, or experience. This type of coverage is generally more cost-effective for individuals.
Income Protection
Income Protection Insurance covers you if you cannot work due to partial or total disability. It provides a monthly benefit until you can return to work or until the end of your benefit period. The insurance is designed to replace your income based on your earnings 12 months before illness or injury. Each income protection policy has criteria for partial or total disability that must be met before a claim is submitted.
Trauma Insurance
Trauma insurance, also known as ‘critical illness’ or ‘recovery insurance,’ provides a lump sum payment in the event of a critical illness or severe injury such as cancer, heart conditions, significant head injury, or stroke. It does not cover mental health conditions; coverage details and medical definitions may vary among insurers.
Life Cover Insurance
Life cover, referred to as ‘term life insurance’ or ‘death cover,’ pays a lump sum upon the policyholder’s death. The designated beneficiaries receive this sum. Life cover may also include terminal illness cover, providing a lump sum if the insured is diagnosed with a terminal illness and has a limited life expectancy. This type of insurance offers peace of mind by ensuring financial stability in the event of the insured person’s death.
Multiple Insurances Inside of your Super or Stand Alone
Many Australians possess numerous insurance policies, often spread across various insurers. Additionally, some have insurance within superannuation and retail insurance outside of superannuation. While these strategies may have advantages, they can complicate the claims process. Let us assist you in navigating this complexity, alleviating anxiety, and allowing you to focus on supporting your family and yourself.
Our Process
Discovery Call
Please take a moment for a brief conversation to explore how we can collaborate and assist you in evaluating your present circumstances. We aim to understand your current situation and the insurance policies you have or may need and then determine the best way forward. Time is of the essence, and we aim to provide you with reassurance and a clear direction by the end of our call.
Gather Data
We thoroughly examine all aspects of your current insurance claims needs, delving into your policies, the involved insurers, and the specific definitions of cover. This step is crucial, as many claims face disputes stemming from time delays or inadequate details in the application. By prioritising quality data gathering, we ensure comprehensive research and the development of a high-quality plan to enhance the success of your application.
Claims Plan
We formulate a personalised plan designed as a roadmap for your claim, with a dedicated Claim Manager assigned to you. Thorough research is essential at this stage to craft the most accurate application, mitigating the risk of unnecessary delays, declines, or disputes. Collaborating closely with you, we ensure all requirements are met before progressing the claim. This strategic approach aims to optimise your claim's efficiency and success.
Implementation
We initiate your claim plan by actively engaging and assisting in all interactions with relevant parties, including your medical professionals, accountants, insurers, financial planners, and employers. Additionally, we establish communication with the claims assessors assigned to your claim, your support network, or any critical stakeholders involved in securing your claim approval. Serving as the primary point of contact throughout the claim process, we enable you to concentrate on your health, family, and next steps with peace of mind, free from distractions.
Support
Our commitment goes beyond a "set and forget" approach. We provide continuous updates and professional guidance from the initial call to claim lodgement. We work to eliminate obstacles throughout the process, ensuring the best possible outcome for you, your family, and your claim. Unlike lawyers, we do not impose inflated fees. We pledge to undertake your claim with agreed-upon terms, holding to our primary commitment to you, our client, and supporting you in times of need as our top promise.