Making a Total and Permanent Disability (TPD) claim can be stressful enough without the long wait for an answer. Unfortunately, it is common for claims to drag on for 12–18 months – often because of small mistakes in the paperwork.
The Rule of 63
“Just one mistake can add up to two months of waiting.” – Susan Hedt, TPD Claim Support
Every time there is an error or missing piece of information in a claim pack, the insurer usually sends it back. On average, each error or omission causes up to 63 days of extra delay. Five small mistakes can mean almost a year added to the process.
Why it Matters
While waiting, you may still be paying premiums and facing health or financial stress. Delays do not just affect timelines – they affect wellbeing.
Getting Help
Specialist support services exist to guide you through the claims process, making sure your forms are complete and your evidence is in order before anything goes to the insurer. By avoiding common mistakes, you can:
- Get a decision much faster
- Avoid unnecessary back-and-forth
- Reduce the stress of waiting
Tip: If you are making a claim, ask what checks and processes are done before the paperwork is sent to the insurer. Getting it right up front makes all the difference.
