Trusted Experts
TPD, Income Protection & Life Claims — Managed End to End
We help Australians deal with super funds and insurers, gather the right evidence, and keep claims moving — with clear updates and no jargon.
If you’re unwell, injured, or supporting someone else, the claim process can feel like a second job. We’ll explain what may apply, help organise the medical and work evidence insurers assess, and manage the paperwork and follow-ups.
Claim Approved
“The team at ClaimRight made the impossible feel manageable.”
Evidence-first
98.4% success rate — We focus on the evidence insurers assess, not generic checklists.
Plain English
500+ clients assisted clients — No jargon. We explain every step clearly and simply.
Australia-wide
$100M+ recovered — Supporting clients in every state and territory remotely.
No Win No Fee
You don’t pay our professional fees unless your claim is successful.
Our 3-Step Process
We simplify the complex insurance claim journey into three transparent stages.
Assessment
Free initial chat to understand your situation and claim options.
Evidence
We gather medical reports, financial records, and build a robust case.
Lodgement
We manage the submission, handle insurer questions, and negotiate the outcome.
Featured In Top Australian Media
Expertise You Can Trust
Specialized support for all major insurance claim types.
TPD Claims
Total and Permanent Disability claims through super or retail policies.
Income Protection
Protecting your income while you’re unable to work due to illness or injury.
Terminal Illness
Compassionate, accelerated lump sum access when time matters most.
Life Insurance
Navigating death benefit claims for families and beneficiaries with care.
Disability Access to Super (Invalidity)
Access your superannuation early if a permanent disability prevents you from working.
Your story, captured accurately.
We use our proprietary HearMe technology to record your story in your own words. This ensures your clinical evidence matches your lived experience, reducing the chance of insurer enquiries
Transparent expectations: how long do TPD claims take?
Processing Timeframe
Industry (Group Super TPD – APRA, June 2025)
ClaimRight (Accepted TPD claims – as at 2 Mar 2026)
2 weeks to 2 months
28.3%
46.4%
2 months to 6 months
33.9%
44.6%
6 months to 12 months
11.6%
8.9%
Over 12 months
3.5%
0.0%
Estimated average duration
~3.6 months
~2.7 months
Typical (median) duration
(not published in this table)
~68 days
What slows TPD claims down?
- Medical evidence doesn’t clearly explain day-to-day impact.
- Treating doctors are busy and forms may be incomplete.
- Employer and job history delays.
- Multiple conditions and multiple specialists.
- Insurer requests extra assessments (IMEs, functional evaluations).
- Policy definitions and trustee sign-off can add time.
How we help keep claims moving
- Map your condition to insurer’s evidence requirements to avoid resubmissions.
- Request and organise key documents upfront.
- Track everything so nothing gets lost.
- Focus on functional impact evidence — often the reason claims succeed or fail.
What slows TPD claims down?
- Medical evidence doesn’t clearly explain day-to-day impact.
- Treating doctors are busy and forms may be incomplete.
- Employer and job history delays.
- Multiple conditions and multiple specialists.
- Insurer requests extra assessments (IMEs, functional evaluations).
- Policy definitions and trustee sign-off can add time.
How we help keep claims moving
- Map your condition to insurer’s evidence requirements to avoid resubmissions.
- Request and organise key documents upfront.
- Track everything so nothing gets lost.
- Focus on functional impact evidence — often the reason claims succeed or fail.
Quick reality check
Many TPD policies have a waiting period (often 3–6 months) before benefits can be confirmed or paid. This is separate from the insurer’s assessment time after lodgement.
Partnering with Professionals
We work alongside you to support your clients.
Financial Planners
Help your clients maximize their insurance entitlements without the administrative burden. We handle the claims management while you focus on their financial strategy.
Estate Lawyers
Ensure deceased estate or terminally ill clients’ insurance entitlements are claimed. We provide the clinical evidence to support your legal institution.
Common questions
Q. Do I have to pay anything upfront?
We only charge professional fees if the claim is successful. If medical reports are required, ClaimRight can cover that cost at the beginning, which is later recovered. If the claim is not approved, no professional fees will be charged, but you may have to repay the cost of the medical reports.
Q. Can you help if my claim was already rejected?
Yes. We regularly help clients who have been declined by their insurer. We review the rejection reasons, gather additional medical and occupational evidence, and resubmit or escalate the claim on your behalf.
Q. Do I need to visit an office?
No. We support clients across all of Australia remotely. All consultations, evidence gathering, and insurer communications are handled via phone, email, and our secure HearMe platform. Our office is at Shop 6, 23 Hassall Street, Parramatta NSW 2150 if you prefer in-person.