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What Is TPD Insurance & How It Works (Melbourne, Victoria Guide) What Is TPD Insurance & How It Works (Melbourne, Victoria Guide) Reading time: ~10–12 minutes • Location focus: Melbourne & Victoria, Australia First-person introduction: If you’re anything like me, you’ve probably skimmed past “TPD insurance” in your superannuation statement and thought, “I’ll look at … Read more

What Does TPD Insurance Cover? (Melbourne, Victoria Guide) What Does TPD Insurance Cover? (Melbourne, Victoria Guide) Reading time: ~10–12 minutes • Location focus: Melbourne & Victoria, Australia First-person introduction: The first time I noticed “TPD insurance” on my super statement, I mentally filed it under “sort it out later.” Only when a close friend in … Read more

Can Mental Illness Be Covered Under TPD Insurance? (Melbourne, Victoria Guide) Can Mental Illness or Psychological Conditions Be Covered Under TPD Insurance? (Melbourne, Victoria Guide) Reading time: ~12–14 minutes • Focus: Melbourne & Victoria, Australia First-person introduction: I’ll never forget the first time I helped a friend in Melbourne look at their super statement after … Read more

Does TPD Insurance Cover Self-Employed or Contract Workers? (Melbourne, Victoria Guide) Does TPD Insurance Cover Self-Employed or Contract Workers? (Melbourne, Victoria) Reading time: ~12–14 minutes • Focus: Melbourne & Victoria, Australia First-person introduction: As a Melburnian who’s juggled a side business and contractor gigs, I used to assume that “TPD insurance” was just for people … Read more

What Happens If My TPD Claim Is Denied? | Melbourne Guide What Happens If My TPD Claim Is Denied? (Melbourne, Victoria) By someone who’s seen firsthand how frustrating a TPD denial can be. When I helped a friend in Melbourne navigate a Total and Permanent Disability (TPD) claim, we thought we’d done everything right—medical reports, … Read more

How Long Does a TPD Claim Take to Be Assessed and Paid? | Melbourne Guide How Long Does a TPD Claim Take to Be Assessed and Paid? (Melbourne, Victoria) By someone who’s seen the waiting game of a TPD claim up close. I still remember helping a friend in Melbourne lodge their first TPD claim. … Read more

What Doesn’t TPD Insurance Cover? | Melbourne Guide What Doesn’t TPD Insurance Cover? (Melbourne, Victoria Guide) By someone who learned the fine print of TPD the hard way. When a friend in Melbourne had their Total and Permanent Disability (TPD) claim rejected, it was a wake-up call. We’d assumed that once you were permanently unable … Read more

How Do Insurers Define “Total & Permanent Disability”? | Melbourne Guide How Do Insurers Define “Total & Permanent Disability”? (Melbourne, Victoria Guide) Reading time: ~12–14 minutes • Focus: Melbourne & Victoria, Australia First-person introduction: The first time I read a TPD (Total & Permanent Disability) policy in Melbourne, I expected a single neat definition. Instead, … Read more

What Is The Difference Between Separation and Divorce in Victoria | Hymans Legal Guide What Is the Difference Between Separation and Divorce in Victoria? By someone who’s seen firsthand that ending a relationship isn’t just about signing papers. When a close friend in Melbourne told me she and her partner had “separated,” I assumed she … Read more

How Long Do I Need to Be Separated Before Divorce? | Melbourne Guide How Long Do I Need to Be Separated Before I Can Apply for Divorce in Victoria? Written from the perspective of someone who’s navigated the process, learned the hard way, and wants to make the path smoother for others. When I first … Read more