Plain-English articles on TPD in super, insurance through super, lost super accounts, and early access to super in Australia.
The Life Insurance Code of Practice is being rewritten around claims handling and mental health ("LICOP 3.0"). What's changing for TPD and income protection — and what to check before you assume you do, or don't, have a claim...
When you're too unwell or injured to work, there's no single front door. Workers comp, TAC, income protection, TPD, DSP and super can overlap — and one claim doesn't always rule out another...
New research from ASFA suggests thousands of Australians have been missing out on billions in life and TPD benefits since the 2019 super reforms switched off insurance on millions of accounts — often without members realising...
A First Nations woman's TPD claim was declined by both the insurer and her super fund — until the right medical records were found...
An insurer nearly declined a hospitality worker's $140,400 TPD claim over the words "regular number of hours"...
The Federal Court fined Cbus $23.5 million after delays in processing death benefit and TPD claims affected more than 7,000 members. What happened, and how to check your own claim...
ASIC fined Rest after it told more than 2,000 members they held insurance they didn't actually have. Why you shouldn't rely on your statement alone...
ASIC's Report 806 reviewed how 10 major trustees handle death benefit claims and set 34 actions for the industry after finding widespread delays...
ASIC has launched Federal Court action against Australia's largest super fund, alleging at least 6,897 death benefit claims were delayed between 2019 and 2024...
AustralianSuper was fined $27 million after failing to merge members' duplicate accounts cost about 90,700 people $69 million in extra fees and premiums...
If you're living on Centrelink or the Disability Support Pension, cost-of-living pressure can make every bill feel heavier. Services Australia says DSP payment amounts depend on your age and living co...
If you have stopped working because of illness or injury, your super may be worth checking sooner rather than later. Most super funds automatically provide life cover and TPD insurance, and some also ...
If you have been injured at work, a workers compensation claim may be the first thing you think about. That makes sense. Workers' compensation is designed to support workers who are injured or become ...
If you are receiving the Disability Support Pension, it may be worth looking beyond your Centrelink payment and checking your super as well. That does not mean DSP automatically gives you access to a ...
Many Australians do not realise their super may include insurance. Moneysmart says most super funds offer life cover, total and permanent disability cover, and sometimes income protection insurance fo...
Super is designed for retirement, but the ATO says early access may be available in **very limited circumstances**, including compassionate grounds, severe financial hardship, terminal medical conditi...
If you've been injured in a transport accident in Victoria, a TAC claim may be the first thing you think about. That makes sense. The TAC says it is a Victorian Government-owned organisation that pays...
If you have been injured and are starting to look into a personal injury claim, it may also be worth asking another important question: **have you checked whether you have TPD cover in your super?** ...
Many Australians may have insurance through their super and not realise it. For eligible members, super can include life cover, TPD cover and sometimes income protection, and your fund statement can s...