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If somebody else is employing you, then in the majority of circumstances, that employer should be paying into your superannuation. Your employer will most likely know their obligations, especially as not paying super can result in penalties that could affect their career position. But if you have any reason to think that your employer is...Read More

It’s estimated that 575,000 people in Australia are visually impaired, and more than 66,000 of these people are blind. Around 30% of visually impaired Australians are under the age of 65. If you’re unable to work due to loss of sight, you may be eligible to make a TPD claim through your Superannuation to receive...Read More

Having insurance through your super can be incredibly beneficial. You’ll generally get cheaper, easier-to-pay premiums, and with your employer’s contributions usually taxed at a slightly lower 15%, you’ll get tax benefits, too. But when circumstances change, so may your insurance policy. It’s important that you’re aware of how life’s twists and turns may affect your...Read More

Multiple sclerosis ( MS for short), is a chronic and progressive illness that affects the nervous system. It can be debilitating to a person’s health over time, affecting the spinal cord, the brain and the optic nerves. Many people who have been diagnosed with MS are entitled to total and permanent disability (TPD) benefits and...Read More

Approximately 1 in 10 people over the age of 65 have dementia in Australia. It’s an illness that’s unfortunately common, being the second leading cause of death amongst Australians. Receiving benefits for your condition will help protect your finances – but how do you know if you are eligible? TDP For Alzheimer’s: An Introduction If...Read More

If a cancer diagnosis has left you unable to work, you may be able to make a permanent disability TPD claim for lump-sum insurance within your Super fund. Many people don’t realize that TPD insurance doesn’t only apply to serious accidents and injuries – having a terminal illness or a type of cancer that affects...Read More

If you are unable to work due to an injury or illness, you may be entitled to income protection insurance benefits. If you are successful in making a claim, you will receive monthly benefits. These benefits will provide financial support in place of your job salary. Your insurance policy will decide on the monthly benefit...Read More

If a recent injury or illness means that you need to make a total and permanent disability claim, it’s likely that you have many questions about how the TPD claims process works. Specifically, you probably want to know whether it’s possible to make multiple TPD claims if you have multiple superannuation funds with their own...Read More

A total and permanent disability claim, known as a TPD for short, entitles you to a payment of an agreed-upon sum of money if you suffer a personal injury or illness that means you are unable to work going forward. This money should hopefully cover the cost of your living expenses and any medical bills...Read More

Making a total and permanent disability claim isn’t designed to be easy. It’s surprisingly complicated to prove that an injury or illness is preventing you from being able to work as you once did. If you believe you’re entitled to a TPD benefit, but your claim has been rejected by your insurer, don’t give up....Read More

If you’re a working Australian, it’s more than likely that you’re making contributions to your superannuation fund, known more commonly as super. This fund offers the greatest peace of mind that you’ll be able to retire comfortably and with financial stability. It also may give you access to total and permanent disability insurance, or TPD,...Read More

If you are left unable to work due to personal illness or injury – whether permanent or temporary – you may be eligible to claim TPD or Income Protection. While both are different products, designed to cover different circumstances, you may actually be able to claim both at the same time! Let us walk you...Read More

The impact of the coronavirus pandemic has been felt right across the country. Since early March, the closure of non-essential business services has led to over one million job losses – with these numbers only expecting to rise in the coming months. If you’re concerned about the possibility of being put out of work due...Read More

You don’t have to have suffered a work-related injury or been involved in an accident to be eligible for a TPD claim. If you are unable to work because of Fibromyalgia, you may be able to make a TPD claim. What is Fibromyalgia? Fibromyalgia is a common condition that affects two to five percent of...Read More

Can I make a TPD claim for PTSD? Did you know mental illness is considered the third leading cause of disability in Australia? Each year, approximately one in every five Australians will experience a mental illness. One particular illness that isn’t discussed regularly, however, is Post-traumatic Stress Disorder (PTSD) and how it can affect an...Read More

In the insurance industry, weasel words are often used to create vagueness and ambiguity in policies. When it comes to making an insurance claim, this lack of clarity can be used to benefit the insurance company and make it easier for them to deny your claim. At Life Matters Claims, we know that the difference...Read More

We know the process of seeking a Total and Permanent Disability (TPD) claim can be incredibly intimidating, at Life Matters Claims our goal is to help alleviate some of the stress that comes with sustaining a life-changing injury or illness. One of the questions we commonly get asked is whether you can still work following...Read More

Suffering from a long term illness is not only taxing on your physical and mental health, it is also hard on your wallet. Insurance cover is there to ensure that you and your family have the financial support you need to alleviate some of this pressure. Unfortunately making an insurance claim for a long term...Read More

When we think of total permanent disability, mental illness does not always come to mind. Yet just as physical diseases and injuries can impair your ability to hold down a job, so too can psychological disorders. As the number of individuals diagnosed with mental illnesses in Australia continues to rise, so does the amount of...Read More

If you have not worked with a ‘no win, no fee’ agency in the past, you’ve most likely still heard the phrase. The ultimate promise of lawyers and solicitors, ‘no win, no fee’ arrangements guarantee that you won’t need to pay any legal fees if your lawyer does not win your case, or secure a...Read More

If you’re not sure whether or not you have income protection insurance, we are here to help.Read More

If you can no longer work due to injury or illness, Total and permanent disability (TPD) insurance helps to cover the costs of medical and rehabilitation fees as well as the future cost of living.Read More