Total & Permanent Disability (TPD) Claim Help.
We handle your TPD insurance claim from start to finish, making sure your payout is structured tax-smart and supports your long-term financial security.
When Life Changes, You Need Clear Answers.
A bad accident. A diagnosis. You can't work like you used to - maybe can't work at all.
Now, you're lying awake wondering:
How do I even start a TPD claim?
Do I need a lawyer?
How much tax will I lose?
Where does the money actually go?
How do I make it last?
Most people either try to battle it out alone, or call a lawyer who’ll take 20–30% of the payout and walk away once the cheque clears.
Both options can cost you hundreds of thousands in unnecessary tax and fees.
There's a smarter way.
The Scott Wealth Approach to TPD Insurance Claims.
We’re financial advisers who specialise in TPD insurance claims. We manage both your claim and your financial strategy, so you can focus on recovery instead of red tape.
Less stress.
We manage all communication, paperwork, and follow-ups with insurers and doctors.
Less tax.
We structure your payout to keep more in your pocket.
More certainty.
You’ll know you’re getting everything you’re entitled to, and that it’s set up to last.
How We Help with Your TPD Claim.
1. We handle your TPD claim
We take the load off your shoulders and manage the entire process:
Liaise directly with insurers’ claims teams
Where possible, coordinate with your doctors and specialists
Prepare and submit all documentation
Manage any disputes or delays
Keep you updated in plain English, not legal jargon
You get one point of contact - us - and a clear plan at every stage.
2. We structure your payout
Once your claim is approved, we make sure it’s set up the smart way from day one:
Where the money should land - super, personal account, or both
How much to access now versus what stays invested
How to minimise tax and protect Centrelink entitlements
The best way to invest for long-term security
Estate planning considerations for your family
The way your TPD payout is structured can make a six-figure difference to what you keep.
Case Study: Jack's Story
Jack was 55 when a medical condition left him unable to work
He had a $1.4 million TPD policy through his super. But he had no idea what to do with it. Should he take it all out? Would he have enough to live on for the rest of his life? How much tax would he pay?
Scott Wealth helped Jack lodge his TPD claim and worked out how to structure the payout.
$110,000 saved in tax (after our fee)
Mortgage repaid without compromising his future
New car purchased
Payout kept in super - providing ongoing tax benefits year after year
A reliable income lands in his account each month
TPD Insurance Claims FAQs.
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Usually not. Most TPD claims don’t require one — they need someone who knows how insurance and tax interact. We focus on getting it paid and keeping it protected.
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Our fees are transparent and fair.
$1,100 initial application fee (waived for existing clients)
2.5% success fee on approved claims
On a $1 million payout, that’s $25,000 vs a lawyer’s $200,000–$300,000.
Our TPD claims service includes managing the full claim process and structuring your payout to reduce tax and protect your future
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Most TPD insurance claims take 6–18 months, depending on your insurer, medical reports and case complexity. We guide you through every stage and keep you informed.
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Lawyers focus on getting the claim paid.
Scott Wealth focuses on getting it paid and making sure you keep as much as possible through smart tax and investment advice.
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That depends on where your TPD insurance is held.
Most TPD cover is within superannuation, which means the payout first goes to your super fund. We help you access it in a tax-smart way without triggering unnecessary costs.
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Sometimes. In certain industry super funds, a TPD claim can cancel income protection. We check this before you lodge, so there are no surprises later.
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We specialise in TPD claims because that's where we add the most value. We also help with life insurance claims on a fixed-fee basis. We don't handle income protection or trauma claims.
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Yes. We can check what insurance you have through your super fund or any personal policies. Book a quick call and we'll work it out together.
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No. We help clients across Australia. Everything can be done over the phone and video calls.
When your wealth works smarter, life gets bigger.
How It Works
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1. Book a free 15-minute call
We’ll discuss your situation, insurance cover and whether we can help. No obligation, no pressure.
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2. Lodge your claim
We take care of everything: gathering evidence, dealing with insurers, and keeping you informed without the stress.
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3. Lift the financial weight
Once approved, we structure your payout to minimise tax, maximise what you keep, and set you up for life ahead.