insurance claims Archives

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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...

Insurance Disputes Insurance Law Property Damage Claims

Replace your Indemnity Policy because it won’t replace new for old

16 March 2026by leonardandwelch

It’s time to discuss replacement policies compared to indemnity policies. Don’t assume your policy will replace everything new for old People usually take out insurance on the simple premise that the insurer replaces what is damaged. That is not, however, always how it works. Recently, a Leonard & Welch client lodged a claim for a...

Blog Consumer Protection Death Benefit Disputes Financial Awareness Income Protection Insurance Disputes Insurance Law Legal Insights Superannuation Total & Permanent Disability TPD 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 Protection Financial Awareness Income Protection Insurance Disputes Insurance Law Legal Insights Superannuation Total & Permanent Disability TPD 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...

Blog Consumer Protection Financial Awareness Income Protection Insurance Law Legal Insights Superannuation Total & Permanent Disability TPD 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...

Blog Consumer Protection Financial Awareness Income Protection Legal Insights Superannuation Total & Permanent Disability TPD 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...

Blog Consumer Protection Disability Support Pension Financial Awareness Income Protection Insurance Disputes Insurance Law Legal Insights Superannuation Total & Permanent Disability TPD Lawyer Workers' 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...

Blog Consumer Protection Financial Awareness Income Protection Insurance Disputes Legal Insights Superannuation Total & Permanent Disability TPD 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...