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Plain-language explanations of personal injury and TPD claims in Australia. Written and legally reviewed by the people who run the matters, not a content farm.
2026
Income protection replaces part of your income while you are temporarily unable to work, while total and permanent disability cover pays a lump sum when you can never work in a suited role again, and many people hold both without realising it.
Most TPD claims take several months to over a year, depending on the medical evidence, the fund and insurer involved, and whether a review is needed.
A rejected TPD claim is often not the end of the matter. Many rejected claims are later paid on review. Here is how the review process works, explained in plain English.
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General information only, not legal advice.