TPD, Trauma & Income Protection Claim Help
Not sure whether you can claim?
We help you work out where you stand, gather the right information and manage the claim process with the insurer or superannuation fund.
Free confidential claim check. No upfront fee. No win, no fee.
A Real Client Experience
“VIP Life Claims provided exceptional support throughout my insurance claim process. Their professionalism, clear communication and deep understanding of the system made what could have been a stressful experience feel smooth and manageable. They were always available to answer questions and ensured every detail was handled correctly. I truly appreciated their dedication and commitment throughout the process. I highly recommend VIP Life Claims to anyone needing expert assistance with insurance claims.”
Dr S.
Former VIP Life Claims client
Full name withheld for privacy
Shared with permission. Individual claim outcomes depend on policy terms, evidence and insurer or trustee assessment.
No Upfront Fee Commitment
No Win, No Fee Structure
Obligation-Free Initial Review
Whether you are a direct client or a professional referring a client,
VIP Life Claims helps manage the claims process with care, structure and clarity.
Claim Guidance
Document Support
Insurer Communication
Personal Support
20+ Years’ Experience
Experience supporting Australians with
personal insurance and TPD claim matters.
$0 Upfront
No upfront professional fee. Fees are only payable if your claim is successful.
$13M+ in Claim Outcomes Assisted
VIP Life Claims has assisted clients with more
than $13+ million in approved claim outcomes.
Understand the Claims Process
Watch our short overview to learn how VIP Life Claims supports clients through the personal insurance claim process.
FREQUENTLY ASKED QUESTIONS
How long do TPD Claims take?
At VIP Life Claims, we take the time to thoroughly assess your claim and provide a clear step-by-step
outline of the process.
Every case is different. Most Total and Permanent Disability (TPD) claims take around 3–18 months from lodgement to outcome, though more complex cases may take longer depending on insurer response times, medical evidence, and policy conditions.
We’ll keep you informed at every stage with updates and transparent communication. Our goal is to handle the administrative and claims process for you — so you can focus on your health and wellbeing while we work toward the best possible result.
Are there any time limits for
TPD Claims.
Yes, insurance policies and superannuation funds typically set time limits for lodging a TPD claim, often within 3 to 24 months of the date you became unable to work due to
illness or injury.
Some policies may also require that you have been continuously disabled for a period (for example, 3–6 months) before a claim can be formally assessed.
Our team reviews your policy and eligibility, helping ensure your claim is submitted within the required timeframe. If you’re uncertain about your eligibility or timing, we can guide you through the process with no cost or obligation.
Do you charge a set Fee?
At VIP Life Claims, we operate on a;
No Win, No Fee basis.
This means:
- No charge unless your claim is successful
- No upfront or hidden costs
- A small, pre-agreed percentage only if your claim is paid out.
We don’t get paid unless you do - it’s that simple.
Our No Win, No Fee model ensures our goals are fully aligned with yours: to secure the maximum payout you’re entitled to, while maintaining transparency and fairness throughout the process.
Before starting any claim, we provide you with a clear written fee disclosure, so you understand all costs before giving consent.
VIP Life Claims Pty Ltd (ABN 88 651 330 497) is a Corporate Authorised Representative of Lifestyle Asset Management Pty Ltd (ABN 58 113 067 968) AFSL 288421.
VIP Life Claims provides claims advocacy and administrative support services only and does not provide personal financial product advice.
Any information provided is general in nature and does not take into account your objectives,
financial situation or needs.
You should consider obtaining personal advice from a licensed financial adviser before making any decision in relation to financial products or insurance policies.
Fees for our services are charged on a no win, no fee basis, calculated as a percentage of the claim benefit and disclosed to you in writing prior to engagement.
