The Next Big Change in TPD Insurance Has Begun
It’s happening.
insurers are changing Total and Permanent Disability (TPD) insurance, and Australians with mental health conditions could be left exposed.
With TPD claims among people in their 30s up 732% in a decade, insurers are tightening definitions and raising premiums. A new “affordable” TPD policy now uses Whole Person Impairment and Psychiatric Impairment Rating Scales making it harder than ever for trauma and mental health sufferers to qualify.
Learn what’s changing, who’s affected, and what you can do to protect yourself.
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How to Make Successful Super TPD Insurance Claims (Without Being Taken for a Ride)
Too many injured Aussies are being squeezed by process, fees and bad advice at the very moment they’re most vulnerable. Here’s a practical guide to the TPD landscape: what’s normal, where it goes wrong, and how to protect your payout, your pension eligibility and your peace of mind.
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Don’t Be Fooled: The Age Pension Age is Not Dropping Back to 65
Seen the article saying Australia’s Age Pension age is dropping back to 65 in 2025? It’s fake.
The pension age remains 67, here’s the truth.
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Super, Scams, and Scapegoats.
The collapse of Shield and First Guardian wiped out $1.2b in superannuation, impacting more than 12,000 Australians. While headlines target financial planners, the truth is different: fraudsters, auditors, trustees, research houses, and regulators failed to protect investors. This long-form opinion piece explains what really went wrong, why advisers shouldn’t be the scapegoats, and how the super system must change to protect Australians.
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Market Update – Waiting on the Fed
Markets around the world edged higher last week, with investors focused on whether central banks will cut interest rates in the months ahead.
All eyes are on the US Federal Reserve minutes this week, while consumer confidence data at home will show whether Aussies are feeling better after the rate cut.
Lower interest rates are generally good news for borrowers and investors, but inflation and job markets remain key things to watch.
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Who’s Going to Pay the Bill?
Australia is heading toward a retirement reckoning. With declining birth rates, rising pension costs, and an over-reliance on immigration, the cracks are showing. This article explores whether it's time to tax the family home, rethink the Age Pension as “welfare,” and demand a serious overhaul of super and retirement policy. If you've worked hard and built wealth, the question isn't when you'll be targeted — it's how soon.
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Can I Still Retire After a TPD or Workers Comp Claim?
If you’ve been medically retired after an injury or illness, retirement may feel out of reach. This article shows how to turn a payout into a long-term plan — with structure, strategy, and support. Newcastle Advisors helps everyday Aussies retire on their own terms.
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How We Helped Peter Start Again
When Peter was medically retired at 56, his TPD payout didn’t feel like a win — it felt like pressure. This story unpacks how Newcastle Advisors helped him navigate tax, Centrelink, super, and his future with clarity and calm. If you're overwhelmed by a payout, this one's for you.
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Tax-Free or Tax Trap? What No One Tells You About TPD Payouts
TPD payouts are often misunderstood. If you withdraw your payout the wrong way, you could owe the ATO thousands. This article breaks down how the tax-free uplift strategy works, who qualifies, and how Newcastle Advisors helps clients keep more of their money — not hand it to the tax office.
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I Got a TPD Payout — Now What?
You finally got your TPD payout — now what? For many Aussies, the payout brings relief… and panic. This article breaks down the biggest mistakes, the smart moves, and how to turn a lump sum into long-term peace of mind.
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RBA Cuts Rates: What It Means for Homeowners, Retirees, and the Housing Market
RBA Rate Cut May 2025: What It Means for Mortgages, Retirees, and House Prices
The RBA just cut interest rates to 3.85% — what does that mean for your mortgage, your retirement income, and the property market? Newcastle Advisors breaks it down in plain English.
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Fix It for Who? The Human Cost of NSW’s Workers Comp Reforms
NSW Workers Compensation Reforms 2025: Who Really Pays the Price?
The NSW Government is proposing major workers compensation reforms that will devastate thousands of vulnerable Australians, especially those with psychological injuries. This isn’t just policy. It’s personal. This article reveals the real-life stories behind the statistics — and what you can do to protect yourself.
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Super Over $3 Million?
Super Over $3m?
This is the biggest shake-up to super in a generation. And most people have no idea what’s coming.
Let’s cut through it. The Albanese Government’s new Division 296 tax will hit Australians with more than $3 million in super harder than ever before.
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You Got a Payout. Now What?
TPD or Workers Comp Payout? Here’s What to Do Next
Received a TPD or workers comp payment? Avoid costly mistakes and maximise your outcome. Learn how financial advice can protect and grow your payout.
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What Happens When My Super Goes Down?
Understanding Superannuation Volatility: Why a Dip in Your Super Might Be a Good Thing.
Learn how falling super balances due to market volatility can actually unlock contribution opportunities and tax benefits. We explain it in plain English so you feel confident, not confused.
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The Superannuation Tax Time Bomb
Unrealised Capital Gains Tax on Superannuation: What Division 296 Means for Your Retirement
Australia’s proposed Division 296 tax would hit your superannuation with a 15% charge on unrealised gains. Here's why it threatens trust, retirement plans, and the next generation of Australians.
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Markets Rebound $206 Billion
The Australian share market has rebounded $206 billion in a single day. What does it mean for investors? Newcastle financial planner Matt McCabe explains why staying calm, invested, and focused on your plan matters most.
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$53 Billion Gained (but You Won’t Hear That on the News)
Markets just rebounded by $53 billion, but the mainstream media reports gains in percentages—not billions—because fear sells. Newcastle’s Matthew McCabe explains why investors should stay level-headed and focused, as volatility is likely to continue.
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Stock Market Crash?
Markets have taken a hit with the latest US tariff announcements sparking a global selloff. But should you panic?
In this timely article, Newcastle Advisors Principal Matt McCabe explains what’s really going on, why 4% daily drops are rare—and often followed by gains—and why now might be an opportunity for long-term investors. Discover how expert financial advice can keep you calm, clear-headed, and focused on your goals.
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