ClaimRight -Low Cost Claims with Personal Service - Blog & MediaClaimRight -Low Cost Claims with Personal Service - Blog & Mediahttps://www.claimright.com.au/blogsWed, 14 May 2025 10:03:34 +1000http://zoho.com/sites/<![CDATA[Expert TPD Claims Advocacy: High-Quality Service at More Reasonable Prices]]>https://www.claimright.com.au/blogs/post/expert-tpd-claims-advocacy-high-quality-service-at-more-reasonable-prices

High-Quality Financial Service at More Reasonable Prices

TPD-Claims-Service

Dealing with Total Permanent Disability (TPD) can be one of the most challenging experiences of your life. From the physical and emotional impact to the financial strain, navigating the TPD claims process is crucial for securing compensation. However, many people are concerned about the costs of getting assistance for TPD claims, which can add additional stress. At our firm, we specialize in claims advocacy for TPD claims, offering expert support at a much more reasonable price.

 

Our fees are typically between 7-10% of the total claim amount, which is significantly lower than what most law firms charge. We also operate on a no win, no fee agreement, meaning you only pay if we win your case. Our goal is to offer top-quality services at a more accessible price, so you can pursue the compensation you deserve without the burden of exorbitant costs.

 

Why Choose Us for Your TPD Claim?

We are highly experienced claims specialists who focus solely on supporting you through the TPD claims process. We provide expert advice, guidance, and help you navigate the system. 

Here’s why choosing us is a smart and cost-effective decision

Reasonably Priced Fees (7-10% of Your Claim Amount)




While many firms charge 20-40% of the settlement for their services, we offer 7-10% fees on most claims and sometimes lower, which ensures you keep more of your payout. Our pricing structure is designed to make expert claims advocacy more accessible, without sacrificing quality.

No Win, No Fee Agreement



  2. We believe in reducing financial stress for our clients, which is why we offer a no win, no fee agreement. You don’t pay anything unless we win your claim, so there’s no financial risk for you while we fight for your payout.

Expert Claims Advocacy



We specialise in superannuation and TPD claims, providing expert support to guide you through the TPD claims process. We ensure that you understand your options and help you take the right steps. 

Capped Upper Fee for Complex Claims

​Our contracts all come with standard and upper fees. For more complex claims that require additional time and resources, we offer a capped fee. This allows us to provide the necessary support for complex claims while ensuring that your costs remain predictable. This approach gives you peace of mind, unlike hourly billing, which can add up over time.
Clear, Transparent Pricing



We believe in transparency —there are no hidden fees or surprise charges. You’ll know exactly what to expect in terms of cost, and we’ll make sure to clearly explain any charges upfront, so you can make informed decisions about your claim.

Why Other Firms May Charge More


Traditional law firms typically charge higher fees for TPD claims because they provide legal advice and representation. Their fees, which often range from 10-40% of the settlement, and potentially additional legal services involved in representing you in court, offering legal counsel, and navigating the legal aspects of your case.


As claims specialists, we can guide you through the process and ensure you receive the compensation you deserve without the higher costs typically associated with legal firms.


 

How to Get More Reasonable TPD Service: Let Us Match or Beat the Best Rates


If you’ve received a quote from another firm (in writing) and want to explore better service and a more cost-effective option, we’re here to help. We are confident that we can offer you a better rate than most traditional legal firms. Here’s how you can get started:


  •                 Send us an email at claims@claimright.com.au. Please attach the quote you received from another firm, and we’ll review it to match or beat their                 rates.
  •                 Call us at 1300 12 44 99 to discuss your case directly with one of our claims specialists.

We are committed to offering high-quality claims advocacy at reasonable prices. Our goal is to help you maximise your claim while ensuring that you pay only what’s necessary.

 

Contact us today to learn how we can help you navigate your TPD claim with expert guidance at a reasonable cost. Let us be your trusted partner in securing the compensation you deserve.

 


Book Your Free Initial Consultation
]]>Tue, 08 Apr 2025 12:59:59 +1000<![CDATA[Claiming Blindness/Vision Impairment TPD: How ClaimRight Can Help]]>https://www.claimright.com.au/blogs/post/claiming-blindness-vision-impairment-tpd

Living with blindness or severe vision impairment can significantly affect your ability to work, carry out daily tasks, and maintain financial security. For many people in this situation, lodging a Total and Permanent Disability (TPD) claim may provide much-needed financial support. However, TPD claims often involve complex insurance and medical criteria, and going through the process can be overwhelming. That’s where ClaimRight comes in—supporting you each step of the way as you seek the benefits you deserve.


What is TPD?
A Total and Permanent Disability (TPD) insurance benefit generally pays out a lump sum if you are unable to return to work (in either your usual occupation or any occupation, depending on the policy) due to an illness or injury. Blindness or significant vision impairment is commonly covered under TPD policies, provided you meet certain medical and occupational requirements.


Understanding Blindness/Vision Impairment Claims
Severity of Impairment
Each insurer has specific definitions relating to vision conditions. Broadly, if your vision is so impaired that you can no longer engage in paid employment for which you are reasonably qualified by education, training, or experience—and there is no likelihood of meaningful improvement—this may entitle you to a TPD claim.


Permanent Incapacity
TPD generally requires that your condition be permanent. For blindness or significant vision impairment, your medical records and specialist reports must confirm that there is little or no prospect of recovery.


Policy Terms and Conditions
Some policies focus on whether you can return to your “own occupation,” while others consider whether you can perform “any occupation.” Understanding the specific definitions in your policy is crucial.


How ClaimRight Supports You
1. Comprehensive Assessment
ClaimRight begins by reviewing your policy details to determine if your circumstances and condition meet the TPD definitions. We gather medical evidence, liaise with relevant specialists, and evaluate your eligibility under the specific terms of your policy.


2. Tailored Guidance and Document Preparation
Compiling the necessary documents can be one of the biggest hurdles when lodging a TPD claim for blindness or vision impairment. You may need:


Medical certificates and vision test results
Specialist ophthalmologist or optometrist reports
Employer statements verifying your inability to continue working
Information on your education, training, and experience to demonstrate work limitations
ClaimRight helps you identify all necessary documents and ensures they are prepared correctly, lowering the risk of delays or denials caused by incomplete or inconsistent evidence.


3. Liaising with Insurers and Super Funds
Navigating the claims process can be stressful. ClaimRight manages communication with insurers, superannuation funds, and medical professionals on your behalf—minimising confusion and hassle. We keep you informed about the progress of your claim and handle any follow-up requests from the insurer.


4. Advocacy and Representation
Insurers may ask for additional documentation or even initially reject a claim. ClaimRight stands by you, preparing detailed responses, addressing insurer queries, and if necessary, guiding you through dispute resolution channels (including internal appeals, complaints to the Australian Financial Complaints Authority (AFCA), and beyond).


Tips for Individuals with Blindness or Vision Impairment Considering a TPD Claim
Seek Specialist Medical Reports Early
Schedule appointments with an ophthalmologist or another specialist as soon as you suspect you may need to make a claim. Their official assessment is vital to demonstrating the extent and permanence of your vision impairment.


Notify Your Insurer or Super Fund
Contacting your insurer or super fund at the earliest opportunity can help avoid unnecessary delays in processing your TPD claim.


Gather Employer Statements
Documents from your employer confirming your role, duties, and the reasons for ceasing work can strengthen your case by illustrating how your vision impairment prevents you from fulfilling your job requirements.


Keep Your Records Organised
Create a dedicated file to store all medical reports, forms, and correspondence. Having everything in one place will make the claims process smoother.


Seek Professional Support
TPD claims can be time-consuming and emotionally draining, especially when you’re coping with a life-altering condition. Engaging a professional service like ClaimRight can help simplify the process and give you more time and space to focus on your health and wellbeing.


The ClaimRight Advantage
Expert Knowledge: We specialise in insurance claims and understand how to present a strong case for TPD due to blindness or severe vision impairment.
Holistic Support: From collecting medical evidence to writing professional submissions, we support you throughout the entire claims process.
Transparent Communication: We’ll keep you updated on each milestone and let you know what to expect.
Proactive Follow-Up: We liaise with insurers on your behalf to ensure your claim progresses smoothly and that any additional requests are addressed promptly.
Conclusion
If you’re living with blindness or significant vision impairment, making a TPD claim can be a critical step towards financial stability. However, it’s often a complex process, requiring in-depth evidence and a thorough understanding of insurance policy criteria. That’s where ClaimRight can make a real difference—providing personal guidance, expert oversight, and steadfast advocacy from start to finish.


Disclaimer: This article is intended for informational purposes only and does not constitute financial, legal, or medical advice. Always consult qualified professionals for advice tailored to your particular circumstances.


If you or someone you know is considering lodging a TPD claim due to blindness or vision impairment, contact ClaimRight today. We’re here to help ensure your rights are protected and your voice is heard throughout every step of the process.


Get Started Now
]]>Thu, 06 Mar 2025 16:32:59 +1100<![CDATA[Our Founder William Johns calls out insurers and advocates for changes to Activities of Daily Living for all claimants. ]]>https://www.claimright.com.au/blogs/post/our-founder-william-johns-advocates-for-changes-to-activities-of-daily-living-changes-for-all-claimaIn October last year ASIC called on life insurers to address what it termed a “problem with the design” of total and permanent disability (TPD) insuran ]]>

"Mental health crisis

poses adviser headache"

TPD

In October last year ASIC called on life insurers to address what it termed a “problem with the design” of total and permanent disability

(TPD) insurance.

That problem was the activities of daily living (ADLs) definition. When claims were assessed under this narrow definition, 60% were declined.

The regulator suggested, but did not mandate, that insurers move away from using ADLs.

But this is yet to happen, says Health & Finance Integrated managing director William Johns.

        

He’s still seeing clients who are unable to work and desperate for help have claims rejected

under ADLs. The ADLs, Johns says, are particularly discriminatory to those trying to make a TPD claim because of mental illness or brain injury.

“Every time I have someone with mental illness and I’m claiming for them I know I’m going to go into battle for them – especially on TPD,” Johns says.

Johns says there has been instances in which insurers have said they have no option but to use ADLs (because, for example, a diagnosis only

emerged after someone lost their job) and are actually ignoring the alternative, which is instrumental activities of daily living (IADLs).

While ADLs only include the basic selfcare tasks of feeding, continence, transferring, dressing, toileting and bathing, the IADLs include using the telephone, shopping, preparing food, doing housekeeping, using transportation,

managing medication and handling finances.

        

Johns points out that Centrelink assessments broadly use IADLs, saying it’s ridiculous that a product you pay for can have a higher threshold

of access than the welfare system. “The taxpayer is pledging they are going to pay you a lifetime annuity for the rest of your life. That can amount to millions of dollars.

They have to use an extremely high threshold and even they use IADLs,” he says.

For example, he says that suicidal ideation is something that is taken extremely seriously in the psychiatric profession but it’s something that’s very difficult to make a successful TPD claim for.

A spokesperson for BT said its life insurance business continues to consult with industry and regulators regarding the use of ADLs. Hannover Re said it is working towards the removal of

the ADL definition from policies. A spokesperson for TAL said it is working with super funds to develop alternatives to ADLs. “In 2018 TAL worked with Cbus to develop its

‘Everyday Working Activities’ definition which has an 86% claims acceptance rate. This definition was recently updated to address members with mental illness,” the spokesperson said.

However, Johns says if insurers are serious about protecting people with mental illness they all need to completely scrap the ADLs and at least use the expanded IADLs.

Jewish House chief executive Rabbi Mendel Kastel has also run into the limitations of ADLs in his work. Jewish House assists those in crisis, offering a “hand-up, not a handout”.

“In many cases these people are homeless or at risk of homelessness. They might have serious mental health challenges. Being able to access some money to get them back on their feet is really important,” Kastel says.

Kastel has engaged Johns to help people get access to their insurance, and through that he too has seen that the ADLs are far too simple.

        

Clinical neuropsychologist Jane Lonie sees the flip side of ADLs, often assessing patients for TPD claims annd not always with all the information

about what it takes for claims to be paid. She says the letter of instruction provided to physicians varies depending on the referrer (whether it’s an adviser, lawyer or insurer). The specific industry designated criteria that the claim

will be assessed against is not always specified within the letter of engagement or instruction. “When you’re talking about somebody with an acquired brain injury or dementia, unless they are right at the most severe end of the spectrum

those basic ADLs will be intact,” Lonie says. When asked whether this group could hold down a job, Lonie says “absolutely not”. “It’s totally inappropriate to be measuring occupational function, the ability to hold down a job, on the basis of rudimentary skills like toileting.”

For Johns, it’s time for insurers to align their processes with society’s view of mental health. “The people who are being denied under ADLs not so long ago might have been institutionalised,”Johns says.

“Before they shut the institutions, I would have been arguing with an insurer that my client who has been institutionalised deserves a TPD payout and the insurer would have told me they

meet the ADLs.” fs


Published by Financial Standard vol 18n12 22 June Page 1


Get Started Now
]]>Thu, 25 May 2023 10:47:44 +1000<![CDATA[Asgard & AIA Change Their Definitions from 1 July 2023 to expand ADLs (Activities of Daily Living) to Include Neurological Issues.]]>https://www.claimright.com.au/blogs/post/asgard-aia-change-their-definitions-from-1-july-2023-to-expand-adls-activities-of-daily-living-to-in

The face of the moon was in shadow

After much advocacy by ClaimRight and others, AIA and Asgard have updated their definitions to be more inclusive. The definition below is a positive leap forward, but we still need to see a broading expansion in line with the WHO definitions.


This is published by Asgard/ AIA

Enhancing Total & Permanent Disablement (TPD) insurance

We’re pleased to confirm that we’ve worked with the insurer to simplify and improve TPD policy terms, by reducing the number of definitions and enhancing existing definitions. These changes aim to improve investor outcomes in the event of a claim. For investors that hold TPD insurance, a summary of the changes include:

Removal of a term applicable to Standard definition TPD, requiring 15+ hours per week employment over 13 weeks prior to the date of disablement.

Replacing the Activities of Daily Living definition with Everyday Working Activities, which includes a mental illness definition to broaden scope from focus on physical activities and better address neurological disability.



Claim Your Insurance Now
]]>Thu, 25 May 2023 10:16:53 +1000<![CDATA[Centrelink 'Robodebt Scheme' compensation ]]>https://www.claimright.com.au/blogs/post/centrelink-robodebt-scheme-compensation

According to Yahoo! Finance, if you were affected by the Centrelink 'robodebt scheme' back in 2019 and you're eligible for a settlement payment, you only have until Friday 11th February 2022 to register your bank details Services Australia or you could miss out on a settlement payment. 

Centrelink robodebt scheme settlement payment

According to Yahoo! Finance, eligible participants should have already received a letter from Services Australia in November 2021.

 
"Only those who had a debt raised using the income-average scheme and who had made payments towards the debt, and those who had overpaid such a debt, will be eligible for settlement payments", Dean said in the Yahoo! Finance news article. 


If you've been sent a letter by Services Australia stating that you were affected by the scheme and eligible for settlement payments, Services Australia has urged eligible participants that "if we don't have your payment details, you'll miss out on a settlement payment."


Thankfully, people who are already receiving Centrelink payments such as the Disability Support Pension or they've received a refund, their payment will be automatically processed and paid into the same account.


Access the full article here.

]]>Wed, 09 Feb 2022 15:53:54 +1100<![CDATA[Get your e-Ticket for the Music Evening on the 7th of August at 8PM.]]>https://www.claimright.com.au/blogs/post/claimright-and-health-finance-integrated-host-a-music-evening-on-the-7th-of-august-at-8pm.]]>

Sponsored by ClaimRight and Health & Finance Integrated to Support Local Musicians During COVID19.
​To support Carl & Mary directly, please visit https://www.carldewhurst.com.au/

]]>Sun, 01 Aug 2021 14:44:03 +1000<![CDATA[TPD Claim: Do I need a lawyer?]]>https://www.claimright.com.au/blogs/post/do-i-need-lawyer-for-a-insurance-claim

When processing an insurance claim within your superannuation fund, people often question whether or not they need a lawyer to process it for them.

Want to know the answer to the most common question we get asked?


The short answer: Usually, no.


Let us dive into this question and explain why your situation will depend on whether you need a lawyer or not. 
What is the definition of TPD?

TPD is a Total and Permanent Disability insurance usually available within your superannuation fund that will provide you with a lump-sum payout if you're sick and/or injured and cannot return to work in your occupation.

From now knowing what the definition is, if you know you have TPD insurance available to you within your super fund, and you fall ill or an injury occurs, impacting your ability to either return to work normally or you're thinking of eventually leaving the workforce due to this, you'll most likely be eligible to make a claim.

How do I make a claim?


We have created a FREE guide that shows a step-by-step process of how to make a Total and Permanent Disability Claim yourself! Find it in our resources page HERE.

Want extra information? Check out the video below:

At what point would I need a lawyer?


Thankfully most claims do not require a lawyer to be involved at all as they are often simple enough for you to either do yourself, however some claims can be complex especially when complex medical history is involved.

How can we help you?

If you require extra assistance to process your claim or you'd rather us take on the hard work for you for a low-cost fee, we can assist you!

We are more than welcome to take on any claim, and 99% of the time we are able to process it with no issues. However, we will be 100% honest with you before we take on your claim if we think you may need assistance from a lawyer, and thankfully we have great connections with lawyers who will get you the claim you deserve!

If you'd like us to get in touch with you about helping you process a claim or even if you'd like to see how we might be able to help you, contact us HERE
]]>Wed, 14 Jul 2021 19:57:00 +1000<![CDATA[Next steps after an illness/injury diagnosis...]]>https://www.claimright.com.au/blogs/post/steps_after_a_disability_diagnosis

Nothing about living with a disabling illness or injury is easy...
​​

It’s basically one of the biggest curveballs that life could throw at you and your family.


Suddenly there is a lot of uncertainty and anxiety surrounding what will happen in the future and what are the next steps to take in your journey. 

We help people everyday who are navigating their new way of life and trying to find solutions to make their life easier, so we understand that this isn't an easy road.


So to help you out, some of our customers have given us their best tips and tricks that helped them take the next steps in their journey, so hopefully it will help you!

The next steps to take in your journey: 

Find a support group, page or forum!


We know it may be cliché but you're not alone. Thousands of Australians are on this journey with you, you just have to find them! Join support groups on Facebook and find blogs and forums on Reddit and Google. You never know but these people might be able to give you even more tips and tricks along the way.

Access your benefits!


If you’re thinking you might have to stop working temporarily or completely, check what superannuation insurance benefits are available to you!

All you need to do is call up your recent super fund and ask if insurance is available within your superfund.

The types of insurance often available are either Total and Permanent Disability or Income Protection. Find out more below:


Types of Insurance

If you're thinking of claiming on your insurance, download our FREE Do-It-Yourself Total and Permanent Disability Insurance Process Guide and save yourself thousands in legal fees!

DOWNLOAD MY FREE GUIDE

Find out what government supports you can access

If you're off work due to your situation, your best option is to know what government support is available to you, such as Centrelink or NDIS. We have created a guide on how to best access the Disability Support Pension to start you off. We hope this helps!

Access this guide via the link below:

Disability Support Pension

We hope you find these 3 steps as helpful as our customer's found them. Just remember that there is support out there.


If you're needing a guiding hand on how to improve your financial situation to support your medical expenses, don't hesitate to reach out to us and find out what superannuation benefits are available to you.

]]>Wed, 14 Jul 2021 19:57:00 +1000<![CDATA[Let's Talk Back Injuries]]>https://www.claimright.com.au/blogs/post/back-injuries

From working in the insurance claims industry and processing hundreds of Total and Permanent Disablement and Income Protection insurance claims for our clients, we are increasingly having clients approach us with a range of back injuries.


Remember that back injuries aren't just injuries related to a fractured vertebrae for example... The injuries we come across are usually a lot more complex than this. It is more common that we have client's who have had either injuries to multiple sections of their spine, resulting in major muscle damage or they have one or two bugling discs that have gone unnoticed for an extensive period of time and they have then developed nerve damage as a result.


With these types of back injuries being the most common, it is clear as to why 1 in 6 Australians suffer from some level of back pain and why it often gets too painful for our client's to continue to work at any capacity. 

However the fear of financial stress is why these injuries are often put aside and our client's simply "put up with it" and continue working in pain. 


It is important to know what options are available to you when a back injury of any capacity occurs, especially when you're unsure whether you should be continuing work.


How can ClaimRight Help Me?

Insurance claims can become complex and difficult to gain access to depending on your insurance policy within your superannuation, your injury or illness and a range of other factors. At ClaimRight, we have the capability to understand the complexity of your unique situation, find a solution to meet your needs an take the hardwork out of your hands. This is why we offer beyond insurance claims and can provide early superannuation access, Centrelink and NDIS access if these solutions are more suited towards your situation. Head to our services to find out more

OUR SERVICES

If you've been suffering from a back injury of any sort that has you questioning whether you can continue to work and your doctor has stated that you're unfit to work due to your injury, get in contact with us today to find out what options you have with us. 

GET STARTED TODAY
]]>Wed, 30 Jun 2021 16:57:22 +1000<![CDATA[NDIS Changes: Here's what it means for you]]>https://www.claimright.com.au/blogs/post/ndis-changes-here-s-what-it-means-for-youWilliam John's thoughts regarding the proposed changes to the NDIS scheme's assessment tool]]>

Why make access to the NDIS harder than what is already is?

The proposed changes within the NDIS, will see ‘independent assessments’ being conducted by a privatised contractor to assess the client’s eligibility for funding from the scheme.

So, here is the problem:

There is a potential for the assessors to lack the expertise that is needed to understand the complexity of a person’s condition and how it can affect them daily. Manifest conditions such as Multiple Sclerosis often have symptoms that vary daily. How can this be assessed using standardised tools when the condition itself is not standard?


As disability experts and advocates, we stand with other individuals and organisations to fight for the rights of people living with a disability/illness.
The MS Society have recently made a Facebook post expressing their concern over the changes that are going to be put forward by the government. 


I would love to know what everyone else's thoughts are about the proposed changes. If you want to read more about it, here are a few links to head to:

https://www.abc.net.au/radionational/programs/breakfast/disability-sector-demands-answers-over-tampered-ndis-review/13291198

https://www.theguardian.com/australia-news/2021/may/03/linda-reynolds-says-coalition-will-keep-some-form-of-independent-ndis-assessments

https://www.smh.com.au/politics/federal/shorten-calls-on-government-to-scrap-proposed-ndis-changes-20210427-p57mt7.html


If you feel like these changes will affect your chances of gaining access to the NDIS or you are currently struggling to access the scheme, contact us today at 1300 12 44 99and we can help you or visit our Services page to see what we can do for you.

Our Services
]]>Thu, 06 May 2021 17:50:45 +1000