If you've worked in the past, you may have held one or more superannuation accounts that included insurance — TPD insurance, income protection, an old policy from a previous employer, more than one TPD policy, or cover attached to a super account you later consolidated. You may not have known the cover existed. This is particularly relevant if you have.

If you're unsure which funds you previously held, that doesn't necessarily prevent you from starting an investigation.

This is an area where you should not rely on a blanket “yes” or “no.” The NDIS treats certain payments as compensation and requires participants to report compensation they've received or are claiming. The NDIA may recover amounts relating to supports already funded and may also apply a compensation reduction amount in relevant circumstances.

Whether a particular TPD payment has any effect on your NDIS circumstances depends on the nature of the payment and your individual situation. If you're considering a TPD claim while receiving NDIS support, it's important to understand the potential interaction. The NDIS can provide information about how compensation rules apply to your circumstances — Thrive Claims can help you with the TPD insurance claim itself.

It can be relevant. Your NDIS circumstances may involve substantial information about your disability, functional limitations and support needs — that information may help provide context for a TPD claim. However, an NDIS assessment and a TPD assessment are not the same thing.

A TPD insurer applies the definition contained in the relevant policy and may require additional medical, occupational or work-capacity evidence.

This is a policy-specific question. Some policies contain provisions dealing with pre-existing conditions or other eligibility requirements — the timing of your condition, when your insurance commenced and the wording of the policy can matter. Don't assume that a condition existing before joining a fund automatically means there's no possible claim.

Potentially. If you've held multiple superannuation accounts, you may have held multiple insurance policies. This is particularly worth investigating if you've changed employers, changed super funds, consolidated accounts, worked in different industries, or have old super accounts you've forgotten about.

If you're an NDIS participant, you may already have substantial documentation about your disability. That doesn't guarantee a TPD claim, but it can be a useful starting point. You don't need to know your policy wording before contacting us.