Guidance and Support for TPD and Insurance Claims
At National Financial Planners, we simplify the insurance claims process by managing all communication with your doctors, accountants, insurers, financial advisers, and employers. Our structured approach ensures claims are submitted accurately and on time—helping you access funds without unnecessary delays during life’s most critical moments.
Superannuation Fund Claims
Superannuation is more than just a retirement fund—it often includes valuable insurance benefits. Lodging a claim through your super can be challenging without guidance. We work directly with your super fund to manage claims for events such as injury, illness, or death, ensuring a clear and hassle-free process.
Total and Permanent Disability (TPD) Insurance
TPD insurance provides a lump sum payment if you’re permanently unable to return to work due to injury or illness. Cover options typically include:
- Own Occupation: You can no longer work in your usual job. Typically found outside superannuation and offers broader protection.
- Any Occupation: You’re unable to perform any job suited to your education, experience, or training. Often found within super and more cost-effective.
We assist you in understanding your cover and gathering the necessary evidence to support your claim.
Income Protection
If you’re unable to work due to temporary or permanent disability, Income Protection provides monthly payments based on your earnings prior to injury or illness. We help you understand your policy, prepare supporting documentation, and avoid delays during the claim process.
Trauma (Critical Illness) Cover
Trauma cover pays a lump sum if you suffer a serious medical condition. Covered events often include:
- Cancer
- Heart conditions
- Stroke
- Severe head injury
Mental health conditions are typically excluded. We ensure your claim meets your policy’s specific medical definitions.
Life Insurance and Terminal Illness Claims
Life insurance provides a one-off payment to your beneficiaries in the event of death. Many policies also include terminal illness benefits, which allow early payment if a diagnosis confirms limited life expectancy. We handle this process with care, discretion, and urgency to provide peace of mind and financial security for your loved ones.
Managing Multiple Insurance Policies Inside and Outside Super
Australians often hold several insurance policies—some within superannuation, others standalone. While this can be beneficial, it may also complicate the claims process. National Financial Planners helps you consolidate, coordinate, and manage multiple claims, allowing you to focus on your health and family.