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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...

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....

BlogConsumer ProtectionDeath Benefit DisputesFinancial AwarenessIncome ProtectionInsurance DisputesInsurance LawLegal InsightsSuperannuationTotal & Permanent DisabilityTPD Lawyer

Why Choose Leonard and Welch?

13 January 2026by leonardandwelch

Helping You Access Your Superannuation Benefits — No Win, No Fee If illness, injury, or disability has stopped you from working, your superannuation fund may (and is likely to) include insurance benefits you didn’t know you had. Leonard & Welch can help you access your superannuation insurance benefits. Many Australians are unaware that their super...

Consumer ProtectionFinancial AwarenessIncome ProtectionInsurance DisputesInsurance LawLegal InsightsSuperannuationTotal & Permanent DisabilityTPD Lawyer

Insurance Coverage After Ceasing Work Due to Injury or Illness: A Practical Guide

13 January 2026by leonardandwelch

Insurance Benefits After Injury or Illness When work ceases due to injury or illness, it is essential that you understand what insurance entitlements you might have. In Australia, insurance is typically provided from: Superannuation-linked insurance: TPD, Income Protection and Death insurance. Workers’ Compensation: For work-related conditions Personal insurance: Stand-alone Income Protection (IP), TPD, or trauma...

BlogConsumer ProtectionFinancial AwarenessIncome ProtectionInsurance LawLegal InsightsSuperannuationTotal & Permanent DisabilityTPD Lawyer

I want to change my lawyer during my TPD claim. Is that possible?

13 January 2026by leonardandwelch

Navigating a Total and Permanent Disability (TPD) claim can be a challenging and emotional process. It often involves complex legal and medical requirements, communication with insurers, and a deep understanding of the law. For these reasons, many people choose to engage a lawyer to help them through the process. But what happens if you’re not...

BlogConsumer ProtectionFinancial AwarenessIncome ProtectionLegal InsightsSuperannuationTotal & Permanent DisabilityTPD Lawyer

If I am making super contributions, am I covered for Total & Permanent Disability Insurance 

13 January 2026by leonardandwelch

Many Australians assume that if they are paying into superannuation, they are automatically covered by Total and Permanent Disability (TPD) insurance. While it’s true that most super funds provide insurance to their members, the reality is more complex. Simply contributing to your super does not guarantee that you have TPD insurance. In this blog, we’ll...

BlogConsumer ProtectionDisability Support PensionFinancial AwarenessIncome ProtectionInsurance DisputesInsurance LawLegal InsightsSuperannuationTotal & Permanent DisabilityTPD LawyerWorkers' Compensation 

What if I’m receiving Income Protection Insurance Benefits or Other Similar Benefits, Am I Still Able to apply for a Total & Permanent Disability (TPD) Insurance Benefit?

13 January 2026by leonardandwelch

Navigating the world of insurance and your entitlements can be confusing, especially when you’re dealing with an injury or illness. Many people wonder whether claiming income protection benefits, a disability support pension, or workers’ compensation payments affects their eligibility for a TPD insurance benefit. There is a lot to unpack on these issues, which, if...

BlogConsumer ProtectionFinancial AwarenessIncome ProtectionInsurance DisputesLegal InsightsSuperannuationTotal & Permanent DisabilityTPD Lawyer

Is It Hard to Get a TPD Payout? A Lawyer with Almost 30 Years’ Experience Explains.

12 January 2026by leonardandwelch

If you’re considering making a Total & Permanent Disability (TPD) claim, it is helpful to know where to start. The process, like most things legal, can seem (and indeed, can be) daunting, especially when you’re already dealing with the challenges of a life-changing injury or illness. To explain what is involved, we have drawn on...

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