TPD Claims
A Total and Permanent Disability lump-sum benefit through your superannuation. Most Australians hold this cover without knowing it exists.
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A Quarterly Publication
Straight-talking updates on super, insurance and TPD claims, plus the occasional story from someone who got their entitlement back. No jargon, no spam, just what's actually useful.
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Latest Issue
The changes, definitions and practical money matters that deserve your attention this quarter.
01Issue 01 · Quarter 3 2026
Payday super, new contribution caps, the SMSF crackdown following Shield and First Guardian, plus a global finance snapshot and money-saving tips.
Read this issueSpecialist Claim Support
Clear guidance for the claim circumstances that most often bring people to Thrive Claims.
A Total and Permanent Disability lump-sum benefit through your superannuation. Most Australians hold this cover without knowing it exists.
Learn moreInsurance cover sitting inside your current or previous super fund. Your fund and insurer both need to be managed for a claim to succeed.
Learn moreAn ongoing monthly benefit, separate from a TPD lump sum. It can provide financial stability while a larger claim is assessed.
Learn moreCover potentially held across more than one super fund from previous jobs. Checking only your current fund can mean an entitlement is left unclaimed.
Learn moreA TPD claim based on a psychological or psychiatric condition. Mental health conditions can form the basis of a claim where the relevant policy requirements are met.
Learn moreA TPD claim based on chronic illness or serious physical injury. A strong, well-evidenced claim needs more than a diagnosis alone.
Learn moreReceiving the Disability Support Pension does not stop you from claiming TPD through your super. We help gather the right evidence.
Learn moreNDIS funding and TPD insurance are separate entitlements. If you have super, you may also have a TPD policy you can claim.
Learn moreA motor accident or compensation claim does not rule out a TPD claim through super. We can assess both paths together.
Learn moreAcross Australia
Explore location-specific TPD claim information and guidance for where you live.
What's In Every Issue
Changes to super, insurance and claims law that actually affect you.
Anonymised examples of entitlements people didn't know they had.
Short prompts to help you spot if something's worth looking into.
Every issue of ThriveNews tracks the super and insurance changes that can quietly shape what you are entitled to. When a change touches your own situation, our TPD claims team can check whether the total and permanent disability cover inside your fund could pay a lump sum, and our superannuation claims service deals with your fund and its insurer from lodgement through to decision. If illness or injury has stopped your pay but you expect to recover, income protection claims may provide a monthly benefit in the meantime.
Changing jobs often leaves Australians with more than one account, and each can carry its own policy, so our multiple super funds claims service traces every fund you may be able to claim on. We support people whose capacity to work has been affected by physical injury or illness, and people living with mental health conditions, which insurers often assess very differently.
If you receive the Disability Support Pension, our guide to TPD claims for DSP recipients explains how the two fit together, although receiving the DSP does not automatically establish insurance eligibility. The same applies to TPD claims for NDIS participants: NDIS access alone does not decide an insurance claim. If your condition followed a road accident, read about TPD claims for motor accident claimants, or browse every option on our claims services hub.
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