Most Australians change jobs several times throughout their working life — and every time you start a new job with a new default super fund, there's a good chance a new TPD insurance policy comes attached to it. Over a career, this can mean holding TPD cover in two, three, or even more super funds simultaneously, often without any awareness that these old policies still exist.
This matters enormously when it comes to making a claim. If you only claim against your current, active super fund, you could be leaving a significant additional entitlement unclaimed in an old or dormant fund you've long forgotten about.
How We Find Every Policy You're Entitled To
Thrive Claims systematically searches for every super fund you've ever held — current, dormant, and consolidated — to identify every eligible TPD or income protection policy tied to your work history. This includes:
- Checking your current super fund(s) for active TPD cover
- Searching for historical or dormant super accounts from previous employers
- Reviewing any funds you may have already rolled over or consolidated, where policies may still apply based on your cover history at the relevant time
- Confirming which policies remained active during the period relevant to your illness or injury
Why This Step Is So Often Missed
Many people — and even some claims services — only look at whichever super fund is currently active. Multi-fund claims require additional investigative work, more paperwork, and coordination across several insurers and trustees at once, which is exactly why they're frequently under-claimed. It's an area where specialist experience makes a direct, measurable difference to your total payout.
Frequently Asked Questions
How do I know if I have old super funds I've forgotten about? Many people don't, until a dedicated search is carried out. As part of your claim, we help identify any historical accounts linked to your work and superannuation history.
Can I still claim on an old policy if I've since rolled that super into a new fund? Potentially, depending on when your illness or injury occurred relative to when that cover was active. This is assessed on a case-by-case basis as part of your claim investigation.
Does claiming across multiple funds take longer? It can involve coordinating more parties, but a specialist managing all funds simultaneously is generally far more efficient — and far more likely to capture your full entitlement — than pursuing one fund at a time on your own.
Find out how many policies you may hold — free assessment → | Learn about TPD claims →