Approximately 26,500 people are currently living with HIV in Australia, according to AFAO research. But are HIV and AIDS included in critical illness cover?

It’s one thing lodging a total permanent disability (TPD) compensation claim – it’s another being successful, thanks to the criteria individuals have to meet as an entry threshold. Here we breakdown what a TPD compensation claim is and the five key criteria applicants need to consider to achieve a favourable outcome.

An insurance policy is a contract. The law requires disclosure of key information for a contract to be valid, often called “meeting of the minds”. Not disclosing information is a serious breach and the courts have a history of fixing such situations on the basis of Equity.

Our client, Ms H of Wagga Wagga, was previously employed as a high level, white collar employee in the Banking and Finance Industry.

There are many cases where persons have changed their Insurance and Superannuation, from time-to time, having been sold by Customer Service Specialist, in reality salespersons, when attending a bank branch or get called. Many takes up the pitch to transfer the superannuation or changes their insurance. This is all done on the phone, on the internet, or just by filling in a couple of forms.

Many superannuation funds have TPD and Income Protection insurances set up for members, and these are usually automatic and do not require any kind of application. So how can I find out the details of the insurance, and do I have any insurance?

The Financial Services Royal Commission examined widespread misconduct within the industry, but were serious allegations against AMP true?

The average superannuation balance for people aged 15 and over was $98,535 for men and $54,916 for women in 2013-14, according to ASFA statistics. But what happens to a person’s retirement fund if they pass away before spending the money?

A rejected TPD claim can leave you financially struggling after a life-changing injury or illness, but how often are people turned down for this vital support?

Our client, Mr Smith of Potts Point, was formerly a public servant with the Treasury NSW. He became unable to work because of leg and back pain in 1997, ceasing all work since that time. As he became ill and was not injured Mr Smith did not receive workers compensation.

Mental health problems often impact your ability to work, which can have a knock-on effect for your financial situation. Some support is available through various insurance and benefits schemes in Australia, but people are sometimes unaware they can make claims for psychological issues.

Approximately 7 per cent of income protection claims are rejected in Australia, according to ASIC figures. Find out how to prevent this happening to you.

Total and permanent disabilities (TPDs) prevent a person from ever returning to their jobs, which has a significant impact on most individuals’ earning capacity. A successful TPD claim can provide financial support in these circumstances, but what expenses do they cover?

The Australian Lawyers Association has urged the Productivity Commission to consider how proposed reforms may affect total and permanent disability cover.

Ms Hellessey, a former member of the NSW Police Force ceased employment on 30 August 2010 after she was diagnosed with Post-Traumatic Stress Disorder (PTSD) and Major Depressive Disorder as a result of events that occurred during the course of her employment.

Accidental deaths are often particularly difficult for families to come to terms with. They are usually sudden, unexpected and rarely give relatives and friends a chance to say goodbye to their loved ones. We’ve examined some of the most common types of accidental death in Australia to highlight the risks.

The Royal Banking Commission has ended after nearly two months of public hearings. Let’s look at some of the biggest scandals within the super industry.

Life insurance policies can have buy-back options that enable people to restore the value of their cover following a successful claim. However, opting for buy-back features can affect future claims, so it’s important to fully understand the terms and conditions.

Superannuation can be a complex area of your finances, especially when it comes to accessing these funds. Read on for guidance on what your ‘preservation age’ is.

In simple terms TPD doesn’t mean anything. TPD, which is abbreviation of Total and Permanent Disability (or Totally and Permanently Disabled), is a name for a kind of life insurance based policy. TPD doesn’t mean anything, as it simply refers to a class of insurance contracts, which can have varying specifications.