Individually Quoted, In Writing
Every case is different, so your fee is calculated according to the specific complexity and workload of your claim.
Total Transparency, AlwaysZero Risk.
Zero Risk.
Zero Hidden Costs. Zero Surprises.
Thrive Claims operates on a genuine No Win, No Fee basis. We pride ourselves on transparency and integrity in everything we do, you pay nothing at all unless your claim is successful.
No Win
No FeeLocked in writing
No FeeLocked in writing
$0Upfront Cost
$0If You Don't Win
100%Fee Locked In Writing
Three clear commitments
How Our Fees Work
Three simple commitments that never change, no matter how complex your claim becomes.
Locked In From the Start
The fee you're quoted at the start remains the same throughout the entire process to completion. No surprises.
Nothing Payable Unless You Win
If your claim is unsuccessful, you owe us nothing for our work. That's the whole point of No Win, No Fee.
See the numbers clearly
A Worked Example
To give you a sense of how our fees work in practice, this is an illustrative example only.
TPD Payout$100,000
Example Thrive Claims Fee− $12,000
You Receive$88,000
This example is illustrative only and does not represent a guaranteed fee. Your actual fee is individually quoted and confirmed in writing before you proceed. See above for how your specific fee is calculated.
Straight answers
Frequently Asked Questions
Everything important about costs, timing and written agreements, explained without fine-print surprises.
Reviewed by The Thrive Claims Team, Last updated September 2026
Do I pay anything to get started?
No. Your initial assessment is completely free, and no fee is charged unless and until your claim succeeds.
Will my fee change partway through my claim?
No. Once your fee is quoted in writing, it remains fixed for the life of your claim, regardless of how complex the process becomes.
What if my claim is unsuccessful?
Under our No Win, No Fee model, you owe nothing for our services if your claim does not succeed.
Are legal partner costs included in my quoted fee?
Where specialist lawyers are engaged, this is always assessed and factored into your written fee agreement before any legal work begins, never added on afterwards.
How is my fee actually calculated?
Your fee is worked out based on the complexity and workload of your specific claim, and confirmed in writing before you agree to anything, never a generic flat rate applied to everyone.
Do I get anything in writing before I commit?
Yes. You receive a written fee agreement setting out exactly what you'll pay, before any chargeable work begins.
Does the fee come out of my payout, or do I pay separately?
Our fee only becomes payable if your claim succeeds. See TPD Payout Through Superannuation for how a successful claim is actually paid out.
What if my claim is delayed or takes longer than expected?
Your locked-in fee doesn't change even if your claim takes longer. See TPD Claim Timeframes for what can affect how long a claim takes.
How we can help
Explore Our Claim Services
Transparent support across the full range of superannuation and insurance claims.
Australia-wide support
TPD Claims Support, State by State
Clear, proactive support wherever you live in Australia, with the same transparent fee promise.
No cost. No obligation.
Know Where You Stand Before You Commit.
Start with a free eligibility check or speak directly with the Thrive Claims team.