Declined TPD Claims: What Now?

A rejected Total and Permanent Disability (TPD) claim can be deeply discouraging—especially when you were relying on that payment to support you through a difficult chapter. At National Financial Planners, we know the devastation a denied claim can bring, and we’re here to help you find a path forward.

Why Are TPD Claims Rejected?

Insurers apply strict conditions to TPD claims, and unfortunately, valid claims are often denied for reasons such as:

• Insufficient or unclear medical documentation
• Disagreement over whether your condition meets the insurer’s definition of ‘total and permanent disability’
• Delays in paperwork or communication
• Gaps in employment or unclear work history

What may seem like a straightforward claim to you may not align with how insurers interpret their policy wording. That’s where we come in.

What To Do If Your TPD Claim Is Denied

Receiving a rejection letter can feel like hitting a wall—but don’t give up. It’s often possible to review, contest, and overturn denied claims. Whether you’re struggling to understand the insurer’s reasoning, unsure what documents to collect, or simply overwhelmed by the appeals process, National Financial Planners can help.

How We Can Help You Challenge a TPD Denial

We provide end-to-end support to help you appeal your declined claim confidently. Our role includes:

• Reviewing the insurer’s decision in detail
• Identifying areas where stronger evidence is needed
• Assisting in gathering medical and occupational reports
• Preparing a comprehensive and persuasive appeal submission
• Communicating and negotiating with insurers on your behalf

With experience dating back to 1986, we’ve supported countless Australians in overturning unfair denials and securing the compensation they’re entitled to.

You’re Not Alone—We’re Here to Support You

Appealing a TPD claim isn’t easy—but you don’t need to go through it alone. Our team specialises in rejected insurance claims and understands the emotional toll this process takes. We provide practical advice, dedicated case support, and the reassurance that someone is advocating for your best interests every step of the way.

Let’s Help You Reclaim Control

The outcome of a TPD appeal can change your future. With the right strategy, you can move forward with clarity and confidence. Contact National Financial Planners today for a free consultation—and let us help you reclaim what you’re owed.