TPD, Life & Insurance Claims Help – Gold Coast 🛡️
When life takes an unexpected turn due to illness or injury, the last thing you need is a complicated insurance process.
At Gold Coast Financial Advisers (GCFA), we specialise in helping you navigate:
- Total and Permanent Disability (TPD) Insurance
- Income Protection (IP) Insurance
- Trauma or Critical Illness Cover
- Life Insurance (Death Cover)
We help with paperwork, follow-ups and insurer communication so you can focus on your health and your family.
📅 Book Your Financial Strategy Call
What Is TPD Insurance? 🩺
TPD (Total and Permanent Disability) Insurance pays a lump sum if you’re medically certified as permanently unable to work in your usual occupation
or any role suited to your experience and qualifications.
Many Australians have TPD cover within their super fund without realising it. If you’ve stopped working due to illness or injury,
we can help you check whether you hold cover and whether you may be eligible to claim.
You can also read more about how TPD works inside super on the ATO website:
Tax on super benefits (ATO)
.
Do You Qualify for a TPD or Income Protection Claim? ✅
Your eligibility can depend on factors such as:
- Your medical diagnosis and long-term prognosis.
- Whether your condition is considered permanent.
- Evidence and reports from your treating specialists.
- Your ability to return to any type of work suited to your training or education.
- Whether your cover is held inside or outside superannuation.
For general background, see
ASIC MoneySmart – Making a life insurance claim
.
If you’re experiencing a mental health condition that is affecting your work, we also encourage you to seek help.
Beyond Blue
provides support services that can assist you during the claims process.
How GCFA Helps With Your Claim 🤝
We’re not just advisers — we act as claim advocates. From start to finish, we help manage the process for you:
- Review your super or retail insurance policies.
- Liaise with doctors, insurers and trustees.
- Gather and organise supporting documents.
- Lodge your claim and follow up regularly.
- Keep you informed at each step so you know what’s happening.
If you’re unsure whether your super fund includes insurance,
this example from AustralianSuper
shows how to check your cover.
Fees & How We’re Paid 💸
We believe in fair, accessible help — not bill shock. Before proceeding, we explain our fees clearly so you understand how we are paid and when.
In many cases, fees are linked to the successful payment of a claim and can be deducted from benefits rather than out-of-pocket.
Why Gold Coast Financial Advisers? 🌟
- ✅ Local & Independent – Based on the Gold Coast, with clients across Australia.
- ✅ Experience With Major Insurers – We’ve managed claims across the major retail and industry funds.
- ✅ Stress-Reducing Support – We help with forms, evidence and follow-ups so you’re not doing it alone.
- ✅ Free First Consultation – Understand your options before deciding how to proceed.
Whether your policy is held inside super or not, we can help you understand your position and next steps.
Get Help With Your Insurance Claim 📞
Don’t risk going it alone. If you’re eligible for a claim, we’ll help you pursue what you’re entitled to in a fair and organised way.
Contact Gold Coast Financial Advisers
We’re here to help you plan, protect and support your financial future.
Please complete the form below and one of our team members will be in touch.
A Note on Compliance 📄
This page contains general information only and does not take into account your personal objectives, financial situation or needs.
You should obtain personal advice before making decisions about insurance or claims.
GCFA Pty Ltd trading as Gold Coast Financial Advisers.
GCFA Pty Ltd is a Corporate Authorised Representative (No 1317284) of Wealth Today Pty Ltd AFSL 340289 (the Licensee).
Please refer to our Financial Services Guide (FSG) and Adviser Profile(s) for full details of services, fees and commissions.
Take the First Step ✨
If you think you may be eligible for a TPD, Income Protection, Trauma or Life Insurance claim, a conversation is the best place to start.
Tell us what’s happening and we’ll help you work out the next steps.