Straight answers to the questions we're asked most. If you can't find what you're looking for here, get in touch — your first conversation with us is always free.
Getting Started
Do I have to pay anything to find out if I have a claim? No. Your initial assessment is completely free, with no obligation to proceed.
How do I know if I even have TPD insurance? Most Australians have TPD cover automatically attached to their superannuation account, whether or not they've ever used it or even know it exists. We can search for it on your behalf. Learn more →
What if I've changed jobs and super funds several times? That's extremely common, and often means you hold more than one TPD or income protection policy across different funds. Learn more →
Am I too late to claim? Time limits can apply depending on your policy and circumstances, so it's worth checking sooner rather than later. Reach out for a free assessment and we'll let you know where you stand.
Fees & Costs
How much does it cost to use Thrive Claims? Nothing upfront. We operate on a genuine No Win, No Fee basis, with your fee quoted in writing before any work begins and locked in for the life of your claim. See our fee structure →
What happens if my claim is unsuccessful? You owe us nothing for our work if your claim doesn't succeed.
Are there any hidden costs? No. Full transparency is central to how we operate — what you're quoted is what you pay, with no surprise charges along the way.
Eligibility
What counts as a "Total and Permanent Disability"? Broadly, being unable to work in your own occupation, or in any occupation you're reasonably suited for, due to illness or injury — though the exact definition depends on your specific policy. Learn more →
Can I claim for a mental health condition? Yes. Mental health conditions are assessed on the same legal basis as physical conditions, though the type of medical evidence required differs. Learn more →
Can I claim if my injury happened outside of work? Yes. TPD cover through superannuation generally applies regardless of whether your injury or illness is work-related.
Not sure if you qualify? Try our quick eligibility check → to get a general sense of where you stand.
The Process
How long does a claim take?
It depends on your fund, insurer, and the complexity of your medical evidence,but our team manages your claim proactively throughout to avoid unnecessary delays. See our process →
Will I need to see a doctor or specialist for my claim?
Often, yes, insurers require specific medical evidence addressing your capacity to work. We help coordinate this with your treating providers.
Do I need a lawyer?
Not necessarily. Our team manages the vast majority of claims directly. For disputed or highly complex cases, we work alongside our partnering lawyers, always with your knowledge and agreement.
Will my claim affect my current job or my relationship with my employer?
A TPD or income protection claim is made against your superannuation fund and/or insurer, it does not involve your employer directly.
Is my information kept confidential?
Yes. Your personal and medical information is handled in line with our Privacy Policy and shared only with the parties necessary to progress your claim.