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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
