insurance complaints Archives

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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,...

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

Consumer Protection Income Protection Insurance Disputes Insurance Law Legal Insights Superannuation Total & Permanent Disability TPD 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...

Blog Consumer Protection Financial Awareness Income Protection Insurance Disputes Insurance Law Legal Insights Total & 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...

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 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...