Claims Help

TPD, Life & Insurance Claims Help – Gold Coast Financial Advisers

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 claims for:

  • Total and Permanent Disability (TPD) Insurance

  • Income Protection (IP) Insurance

  • Trauma or Critical Illness Cover

  • Life Insurance (Death Cover)

We handle the paperwork, follow-ups, and insurer communication so you can focus on your health and family.

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.

Most Australians have TPD insurance within their super fund — and many don’t even realise it. If you’ve stopped working due to illness or injury, we’ll help you find out if you’re eligible. You can also read how TPD works inside superannuation on the ATO website.

Eligibility: Do You Qualify for a TPD or IP Claim?

Your eligibility depends on:

  • Your medical diagnosis and long-term prognosis

  • Whether your condition is considered permanent

  • Evidence 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 super

Not sure where you stand? This ASIC Moneysmart guide explains how life insurance claims work.

If you’re experiencing a mental health condition that’s impacting your work, we also encourage you to seek help. Beyond Blue offers support services that can assist you during the claims process.

How GCFA Helps You Claim Successfully

We’re not just advisers — we’re experienced claim advocates. From start to finish, we manage the process for you:

  • Review your super or retail policy

  • Liaise with doctors, insurers, and trustees

  • Gather supporting documents

  • Lodge your claim and follow up regularly

  • Keep you informed every step of the way

If you don’t know whether your super fund includes insurance, this example from AustralianSuper shows how to check your cover.

No Win, No Fee – Clear, Upfront Pricing

We believe in fair, accessible help — not surprise fees. That’s why:

  • Our fee is fixed and agreed upfront

  • You only pay if your claim succeeds

  • There are no fees for consults, calls or follow-ups

  • There’s no legal jargon or bill shock

We get paid when you get paid. It’s that simple.

Why Gold Coast Financial Advisers?

  • ✅ Local & Independent – Based on the Gold Coast, with national reach

  • ✅ High Success Rate – Proven claims outcomes across all major insurers

  • ✅ Stress-Free Process – We take care of the details

  • ✅ Free First Consultation – No obligation, no pressure

Whether your policy is held inside super or not, we can help you understand your rights and entitlements.

Get Help With Your Insurance Claim

Don’t risk going it alone. If you’re eligible for a claim, we’ll help you get what you’re owed — fairly and efficiently.

📞 Call us today, or
📧 Book your free consultation using the form below.

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