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The Importance of your treating doctor in TPD claims

10 April 2026by leonardandwelch

When pursuing a Total and Permanent Disability (TPD) claim, probably the most important person in the process is your treating doctor. Most people assume the outcome turns on legal arguments or insurer definitions. In practice, one factor consistently carries decisive weight: the evidence of your treating doctor. Your treating doctor is not just another medical...

BlogConsumer ProtectionFinancial AwarenessIncome ProtectionInsurance DisputesInsurance LawLegal InsightsSuperannuationTotal & Permanent Disability

Why Using AI for Your Superannuation TPD Claim Is a Bad Idea

7 April 2026by leonardandwelch

These days, people use AI for everything. Emails. Shopping lists. Holiday plans. School assignments. Awkward text messages they do not want to write themselves (weird, I know!). So, it is no surprise that some people think they should use AI for their superannuation TPD claim The problem is, a TPD claim isn’t a shopping list,...

BlogConsumer ProtectionFinancial AwarenessIncome ProtectionInsurance LawLegal InsightsSuperannuationTotal & Permanent Disability

What Is Procedural Fairness in Insurance Claims?

2 April 2026by leonardandwelch

If you have made an insurance claim and the insurer starts asking awkward questions, getting reports behind the scenes, or hinting at a decline, you might hear the phrase procedural fairness. It sounds fancy. It is not. In plain English, procedural fairness means this: if an insurer is going to make a decision that hurts...

BlogConsumer ProtectionFinancial AwarenessIncome ProtectionInsurance DisputesInsurance LawLegal InsightsTotal & Permanent DisabilityTPD Lawyer

What’s a Premium Waiver and How Does it work?

1 April 2026by leonardandwelch

What’s a premium waiver and how does it work? Insurance policies are full of labels that sound helpful but do not tell you much. Premium waiver is one of them. A premium waiver is usually a policy feature that says that, if you are disabled and can’t work, you may not have to keep paying...

Consumer ProtectionIncome ProtectionInsurance DisputesInsurance LawLegal InsightsSuperannuationTotal & Permanent DisabilityTPD Lawyer

Can you make a TPD claim if you have a mental health condition?

31 March 2026by leonardandwelch

Yes, you can make a claim if you have a mental health condition. A lot of people assume TPD claims are only for physical injuries. Bad back. Crushed knee. Cancer. Stroke. Something you can point to on a scan. But that is not how it works. A mental health condition can absolutely support a TPD...

BlogConsumer ProtectionFinancial AwarenessIncome ProtectionInsurance DisputesInsurance LawLegal InsightsTotal & Permanent Disability

When An Insurer Breaches Your Privacy

17 March 2026by leonardandwelch

Life insurers love to talk about trust, fairness and doing the right thing by customers. Then, every so often, a case comes along that shows what really happens when the wheels come off, as in a recent privacy breach. A recent sanction by the Life Insurance Code Compliance Committee is one such case in which...

Income ProtectionLegal InsightsSuperannuationTPD Lawyer

When “Protecting Your Super” Leaves Australians Unprotected

11 March 2026by leonardandwelch

When “Protecting Your Super” Leaves Australians Unprotected Back in 2019, the government brought in the Protecting Your Super package and the Putting Members’ Interests First legislation. The idea sounded sensible enough. Stop people, especially younger workers and low-balance members, from having their super chipped away by insurance premiums they did not know they were paying....

BlogCentrelinkConsumer ProtectionDisability Support PensionFinancial AwarenessGovernment BenefitsIncome ProtectionLegal InsightsTotal & Permanent Disability

Accessing the Disability Support Pension (DSP) in Australia

17 February 2026by leonardandwelch

Understanding the Disability Support Pension and Eligibility Understanding the Disability Support Pension can be tricky. If you’ve ever tried to read the Disability Support Pension rules, you’ll know the feeling: it can look like a maze. There are medical reports, impairment points, work capacity tests, and a process that can feel a bit like ‘computer...

BlogCentrelinkConsumer ProtectionFinancial AwarenessGovernment BenefitsIncome ProtectionLegal InsightsRetirement PlanningSuperannuation

What is your Preservation Age?

13 January 2026by leonardandwelch

Your Preservation Age – What is it? “Preservation Age” or “Superannuation Preservation age” is just a fancy term from the Superannuation Industry (Supervision) Regulations 1994 (Cth) that sets the age when you might be able to dip into your “preserved” superannuation savings. Of course, it’s not as simple as just hitting that age. You’ll also...

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