The Rule of 63
Faster Claims · Better Outcomes
Why Is My TPD Claim Delayed?
If your TPD claim is taking longer than expected, you're not alone. Most delays come down to one critical factor—and it's completely preventable.
The Rule of 63
Understanding how small errors multiply into massive delays
Each documentation error or omission adds up to approximately 42-63 days to your claim timeline
The typical submission contains five key errors or omissions that require follow-up
5 errors × 63 days = 315 days of preventable delays for poorly prepared claims
This is why most TPD claims take 9-18 months when unassisted—however ours take 1-4 months
We invest 20-25 hours preparing your claim upfront to eliminate these errors before submission. This means no back-and-forth, no waiting for missing information, and no preventable delays.
The Top Reasons Claims Get Delayed
Understanding what causes delays is the first step to avoiding them
Poor Quality Submissions
Most people innocently complete the claim pack form with utmost faith, but the claim pack simply doesn't cut it. We have assessed that 90% of all delays and declines are attributed to poor submissions. Each error or omission can add 43-63 days—multiple errors can push your claim beyond 12 months. Professional preparation is the difference between decline and success.
Average delay: 63-315+ daysIncomplete Medical Evidence
Missing specialist reports, outdated assessments, or insufficient detail about your condition and functional capacity are the most common causes of delay.
Average delay: 63-126 daysMissing Employment Details
Incomplete job descriptions, missing duty statements, or insufficient evidence about how your condition affects your ability to work trigger additional information requests.
Average delay: 63-90 daysPolicy Definition Mismatch
Claims that don't clearly address the specific policy definition (own occupation vs any occupation) require clarification and additional supporting evidence.
Average delay: 90-180 daysTreating Doctor Coordination
Waiting for your doctors to complete forms, provide updated reports, or respond to insurer queries can add weeks or months to the process.
Average delay: 42-90 daysFinancial Documentation Gaps
Missing tax returns, incomplete income evidence, or unclear benefit calculations require follow-up that extends timelines significantly.
Average delay: 30-60 daysInsurer Surveillance or Investigation
When claims raise red flags or contain inconsistencies, insurers may conduct surveillance or request independent medical examinations, adding months to the process.
Average delay: 90-180 daysIndustry Standard vs Our Approach
See how upfront preparation eliminates delays
Months from submission to decision
Multiple rounds of information requests, back-and-forth with doctors, and clarification cycles
Months from submission to decision
Complete documentation upfront, no missing pieces, proactive coordination with all parties
How We Prevent Delays
We invest 20-25 hours preparing your claim before submission
Better Quality Submissions
We invest 20-25 hours in the first 1-2 weeks preparing your claim even before a submission. This work is done to future forecast all requirements an insurer will need based on your condition and policy. This is above and beyond what is completed in a claim pack to avoid all costly delays and increases your chances of success and absolutely reduces timeframes.
Comprehensive Upfront Assessment
We conduct a 55-point assessment and gather every piece of evidence before submission—medical reports, employment details, financial documentation, and policy-specific requirements.
Proactive Medical Coordination
We coordinate directly with your treating doctors, specialists, and allied health professionals to ensure all reports are complete, current, and address the specific policy requirements.
Policy-Specific Preparation
We analyze your exact policy definition and structure evidence to directly address those requirements—eliminating the need for clarification or additional documentation.
Gap Analysis Before Submission
We identify and address potential issues, missing evidence, or weak points before the insurer sees your claim—preventing the delays that come from follow-up requests.
"We know the clock is ticking, that the client has no income and is still paying the premiums. So we future forecast what is required and ensure we have complete evidence before we even submit."
Co-Founder, TPD Claim Support
Stop Waiting. Start Moving Forward.
Don't let your claim sit in limbo for months. Our proven preparation process eliminates delays and gets you answers faster.
Our Guiding
Principles
Clear Guidance Confident Claims
Support That Makes a Difference
Trust and Confidence During Stressful Times
Navigating Complexity, Focusing on You
