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TPD Claims Advisers

Specialists in complex TPD claims. Whether your cover is provided by your super fund or a retail insurer, ensure your claim is dealt with efficiently and professionally.

Total and Permanent Disability (TPD) insurance provides financial support when you become permanently disabled due to illness or injury—and are unable to work again.

However, processing a TPD claim can be complex, depending on the complexity of your disability. At Curo Financial Services, we will help you access your policy benefits, whether you have a complex TPD claim or have been rejected by the insurer.

With decades of experience and strong insurer relationships, our TPD claims advisers will guide you through a thorough, well-prepared application.

Need help with your TPD claim? Submit your enquiry here, and one from our team will reach out to you.

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Insurers we work with

Turn your complex TPD claim into an easy process

It is important to understand that every insurer has a different TPD claims process. With decades of experience, we’ve developed a streamlined approach to help you lodge a TPD claim.

Curo Financial Services simple TPD claims process

1. Obtain TPD claim forms and a list of requirements

We will contact your superannuation fund or insurance provider (if the TPD policy is held under your name) to inform them of your intent to lodge a claim.

We will help you prepare the basic information, such as your name, policy number, date of diagnosis, and the reason for your claim for initial screening. The insurer will then send you the TPD claim pack and the list of documents you need to submit.

2. Check your eligibility for a TPD claim

Before proceeding to the next step, it is important to check that you are eligible for a claim. There are two main factors that we will help you to evaluate:

TPD insurance policy validity – Typically, insurers require that your policy’s premium payments be up to date. However, some insurers may have complex criteria to determine whether your policy is active and valid.
Eligibility of condition – Your condition must meet the definition of disability under your TPD policy. It may define disability as:

Own occupation – unable to work permanently in the same occupation you recently had.

Any occupation – unable to work permanently in any occupation suitable to your education, training, or experience.

Activities of Daily Living – unable to work again and can no longer perform two or more daily living activities permanently.

3. Gather medical evidence and documents

We will assist you in obtaining all relevant medical evidence and documents to prove your disability and your claim. The documents and evidence may include:

Medical reports and certificates from your treating doctors

Statements from your employer, colleagues, or family members

Proof of income and expenses

Tax returns and payslips

Workers’ compensation files or other insurance claims

Any other relevant information that supports your claim

4. Submit your TPD insurance claim

When it is time to submit your TPD insurance claim, we will review your claim application documents and ensure that your insurer receives it.

5. Follow up with your insurer

Depending on the complexity of your case and the insurer’s timeline, the process can take anywhere from 2 to 12 months. During this time, we will work with you to follow up strategically and keep your claim moving through the insurer’s process.

6. Be persistent even if your claim gets denied

Rejected TPD claims are not always final, and in most cases, insurers only require further clarification. If this happens, we will communicate and negotiate with the insurer on your behalf. We will help you supply any additional documents they request or clarify items in your claim.

5 reasons why you should choose Curo Financial Services

Do not leave your TPD claim to chance. Getting your TPD claim application right from the start increases your chance of approval. When you work with Curo Financial Services, you will get:

Expert TPD Claims Advice

Get access to our team’s decades of experience in helping Australians receive financial support from their TPD insurance policies. We treat each of our clients’ claims as unique as possible, allowing them to submit a well-prepared claim.

Assistance on Claim Documentation

We will assist in gathering and documenting medical evidence to make it easier for the insurer to evaluate your claim.

Effective Follow-Up Process

When the insurer is unresponsive or the process is taking longer, we will guide you on how you can effectively follow up. We’ll help reduce delays by managing communication and requests efficiently.

Negotiate with the Insurer on Your Behalf

Complex TPD claims can take time going back and forth with the insurer. Our team can help you save time and the stress of negotiating with them, so you can focus on your treatment.

Receive Financial Advice After TPD Payout

Planning what to do with your payout can ensure that your financial needs are properly taken care of. We also provide customised financial advice when you receive your TPD claim benefit.

Maximise your TPD claim payout by talking to an expert

Talk To An Expert

What does TPD mean?

There are several types of TPD insurance in Australia, each with specific coverage to provide financial protection. Depending on the definition of your TPD policy, you may process a TPD claim under the following conditions:

Inability to work in the same occupation

It means that you are unable to work within the “same” occupation or job function due to permanent disability caused by illness or injury.

Inability to work in any occupation

It means that you are unable to work with “any” occupation or job function that is reasonably suited to your education, training, or experience due to permanent disability caused by illness or injury.

Inability to perform home duties

It means that you are unable to perform basic home duties, such as eating, bathing, or dressing, due to permanent disability caused by illness or injury.

Contact An Expert TPD Claims Adviser Today

If you need professional help with your TPD claims, contact Curo Financial Services. Our team of TPD claims experts offers:

Knowledge and expertise: Expert guidance throughout the entire process of the claim – removing the guesswork and increasing your chance of approval.

Proper documentation: Assist you in gathering and documenting all medical evidence and relevant forms to ensure a well-prepared TPD claim application.

Effective follow-up: Depending on the complexity of the application, experts can strategise an effective follow-up strategy.

Expert in appeals: Experienced TPD claims advisers understand the appeals process well. Rejected TPD claims are not always final; there are certain factors that an expert TPD claims adviser can determine and make clear.

Customised TPD payout advice: Receive a customised financial advice when you receive your TPD payout.

Want to know how much you’ll get with your TPD claim?

Try Our TPD Calculator

Our claims testimonials

Excellent

Curo Financial Services

Based on 10 reviews

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Cherie Haig

It has been my pleasure to deal with Brent and his team over the years I have been their client. All queries have been explained promptly, intricacies of policies and decisions I contemplated explained, and the level of service Brent has provided exceeds 5 stars.

Jen W

Brent from Curo Financial Services has exceeded our expectations and has been a pleasure to deal with. Brent is professional, trustworthy and provides excellent service that goes above and beyond. Brent is compassionate, kind, and caring. Brent has always had our best interest at heart and really takes the time to ensure you feel supported. Brent has made the process of dealing with insurance easy and has made it a positive experience. Brent is a pleasure to work with.

Vicki Taylor

Thank you Curo Financial Services for providing me with friendly, professional services, I am very grateful especially to Behram Ali. Would highly recommend their professional services.

Mark Crimmins

It is my absolute pleasure being able to write this glowing review about Brent and his team.
Brent and I have known each other for many years with Brent advising me where needed on my income protection policy. Throughout that time Brent has been very thorough in keeping me updated with any changes within the industry and how that may affect my extremely important policy.
Life takes some interesting twists and turns and it just so happens that I unfortunately needed to call on the benefits on my amazing policy.
Brent was right there when you needed him the most, guiding me through the entire process and following through with everything he had advised me on in the past.
I can’t thank Brent enough for being by my side offering genuine Compassion and knowledge when needed.
Thanks for everything Brent. You are a true credit to yourself, the company and your family.
Warmest regards
Mark

Herman Bothma

Curo Financial Service have given me out standing customers service over the years. Brent have great knowledge to what product would be the best suited for my level of cover and great advice over the years.

From the day I took out my life insurance cover and Income protection Brent was there to answer any questions I had and
when I was diagnosed with pancreatic cancer years later Brent made the Claim process easy with good communication clarity with what’s information is needed a piece of mind in a uncertain time for me but not only where he professional through out the process he showed support empathy, kindness and a level of care that’s hard to find these days.

I would Recommend Brent and Curo financial Services without any hesitation. I am sure they would look after you too!

Paul Michael Jamieson

We have been dealing with Brent from Curo Financial Services for a while now and have found them extremely helpful and always acted in our best intrest
So I would have no hesitation to recommend them to anyone
Paul

Jocelyn Jamieson

Have dealt with this firm for many years and always received fantastic service. Would highly recommend. Nothing is too much trouble for Brent. He goes out of his way to assist.

Ari Mitchell

I recently had the pleasure of working with Brent from Curo, and I cannot express enough how exceptional my experience was. From the moment I reached out for assistance, Brent demonstrated an unparalleled level of subject matter expertise and a dedication to providing outstanding customer service.

Brent's knowledge and proficiency in their field were immediately apparent. They patiently listened to my concerns and questions, providing thorough and clear explanations that made even the most complex concepts easy to understand. What truly set Brent apart was their willingness to go above and beyond to ensure I had all the information I needed. Their expertise was not just impressive but invaluable.

Additionally, the customer service I received from Brent was nothing short of outstanding. They were not only professional and efficient but also genuinely friendly and approachable. Brent took the time to address all my queries, no matter how big or small, and made me feel valued as a customer. Their patience and willingness to assist left a lasting impression on me.

I am truly grateful to have had the opportunity to work with Brent at Curo. Their expertise and dedication to providing exceptional customer service are a testament to their commitment to excellence. I would highly recommend Brent to anyone seeking top-notch assistance and support. Thank you, Brent, for your outstanding service – you have definitely earned a loyal customer in me!

Vivien Reed

I found service received from Curo Financial Services professional and stress free.Communication was easy with regular updates. A positive outcome was achieved to an insurance claim. Highly recommended.

Joey McCann

Frequently asked questions

Who can claim TPD insurance?

Individuals who have the following can be eligible to process a TPD claim:

A valid TPD insurance policy
A serious illness or injury that prevents them from working permanently
Was able to meet the policy’s total and permanent disability definition and waiting period
Can provide medical evidence to support the claim

What does TPD insurance cover?

A TPD insurance policy covers the individual’s inability to work permanently due to illness or injury. The TPD payout can be used for the following:

Funds for medical treatment and recovery
Financial support to the family
Funds for medical modifications to your house
Debt repayment

How To Make A TPD Claim through Your Super?

When your TPD insurance is under your super, processing a claim will need help from your super fund trustee. Below is a guide to help you:

Contact your super fund trustee and claim the TPD claim pack
Inquire about their TPD claim process
Check the validity, terms, and definitions of your policy
Gather medical evidence
Submit your claim application forms, medical documents, and cover letter
Wait for your insurer’s decision and cooperate with any additional requirements

Note: Your fund trustee may assist you during the application, however, their expertise in dealing with complex situations can be limited.

Is a TPD insurance payout taxable?

Typically, TPD payout made outside your superannuation is tax-free. However, if your TPD payouts are made within your super, there are many factors that make it taxable.

You may refer to our separate article about taxes on TPD payouts.

How long will my TPD claim take to be paid?

The duration of the TPD claims process will depend on your insurer and the complexity of your application. The entire process may take from weeks to months, especially if you are processing your claim individually.

Engaging with an expert TPD claims adviser, such as Curo, can shorten the process and save you a lot of headaches.

When can you claim TPD Insurance?

For most TPD insurance policies in Australia, you can process a TPD claim as soon as you are medically stable and your inability to return to work is declared permanent.

What are the most common reasons for claiming TPD insurance?

Although these TPD claims statistics are hard to compile due to privacy restrictions that are inherently associated with such sensitive data, Asteron Life has advised that in 2011 the most common reason for a TPD claim were:

Mental Health (Depression, Bipolar, PTSD, Anxiety) – 25%
Musculoskeletal disorders – 19%
Injuries from accidents – 15%
Cancer – 12%
Nervous system disorders – 14%
Other – 15%

Source: Financial Services Council

Does TPD insurance cover death?

No, TPD insurance is designed to provide financial support should you suffer from an injury or illness that permanently prevents you from working, while still being alive.

However, some TPD insurance policies can have a small death benefit attached as a rider.

What are the eligibility requirements for a successful TPD claim?

Below are the common eligibility requirements for a successful TPD claim.

You have an updated TPD policy at the time of your disability.
You have met the definition of disability from your TPD policy.
You have met the waiting periods, and your age is within the policy’s coverage period.

Determining your eligibility for a claim on your own can be complicated. Speaking with a TPD claims adviser, such as Curo, can save you the guesswork in the process.

How to handle a rejected TPD claim?

Reasons for a rejected TPD claim can be as simple as misrepresentation of medical evidence on the application.

When your TPD claim gets rejected, it is not always final. You may explore these steps to turn rejection into approval:

Carefully understanding the reason for the rejection: It is easier to appeal if you know where in your application triggers the insurer’s decision.
Go through the insurer’s appeal process: Every insurer has an internal appeals process that you can follow. Usually, you will be given a specific timeframe to appeal their rejection.
Work with an experienced TPD claims adviser: An expert TPD claims adviser will assess your claim and create a strategy that is tailored to your situation. TPD claims advisers have the experience, knowledge, and connections with insurers to increase your chance of approval.
File a case: In this option, you will need to engage with a lawyer. However, filing a case can come with expensive professional fees and a time commitment without a guarantee of approval.

If you are interested in working with Curo TPD claims advisers, you can contact us. We offer a no-win, no-fee service to give you confidence in processing your TPD claim.

How much will you receive through a TPD insurance claim?

The amount of TPD payout you will receive will depend on the level of cover that you initially agreed to when taking out the policy.

Often, an individual TPD insurance policy has higher coverage than group insurance.

What are the Additional key considerations for TPD Claims?

When you are planning to process a TPD claim, these are the common considerations that you need to be aware of:

Legal advice: Working with a legal professional comes with cost and requires a time commitment from your end. In some cases, prematurely engaging with a legal professional can be counterproductive, especially if they are not specialising in TPD claims.

Documentation: Proper documentation of medical evidence and the application form is a must. The insurer can assess your claim faster and more easily if your application is well-prepared.

Timeframe: Each insurer has a different timeframe for processing a claim. Knowing the waiting periods of the policy and the timeline of the process allows you to make effective follow-up when needed.
Communication: Always have an open communication with the insurer to ensure a timely response and submission of any additional requirements.

Appeal process: Each insurer has an internal appeals process. Remember that when they reject your claim, typically, you will be given a specific time period to respond.

General Advice Disclaimer

General advice warning: The advice provided is general advice only and in preparing it we did not take into account your investment objectives, financial situation or particular needs. Before making an investment decision on the basis of this advice, you should consider how appropriate the advice is to your particular investment needs, and objectives. You should also consider the relevant Product Disclosure Statement before making any decision relating to a financial product.