LEONARD AND WELCHLAW & Orderly blog.

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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 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 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 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...

Income Protection

The Consequences of Changing Super Funds: Impacts on Income Protection, TPD Insurance and Death Insurance

13 January 2026by leonardandwelch

Insurance in Superannuation provides financial security for Australians. By providing insurance benefits such as Total and Permanent Disability (TPD), Income Protection (IP) and Death Insurance cover, in the event a person stops working due to injury or illness, they can (or should be able to) rely upon this insurance in a time of need. However,...

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