You may be entitled to a TPD lump sum benefit or other insurance benefits through your superannuation. You may also be able to make additional claims through income protection or other forms of insurance.

You may even have access to additional insurance through:

• your employer
• an enterprise agreement
• your employment contract
• your insurance purchased through a financial institution or advisor

But, always be wary of tricky exclusion and eligibility clauses in your insurance policy’s small print that can be used to deny your claim.