AMGENT can help organise the financial side of a Total and Permanent Disability claim before or after payment. This may include TPD claim financial advice, tax on a TPD payout from superannuation, payout planning and investment advice after a TPD benefit is received.
Financial decisions that can arise before and after a TPD payout
Understanding the claim and policy position
Review available policy and superannuation information, clarify what documents are still needed and identify when legal, medical or claims-specialist input is appropriate.
Tax on a TPD payout from superannuation
Understand the tax-free and taxable components shown by the fund, how an eligible disability lump sum can be modified under the tax rules and what should be confirmed before withdrawal.
Take cash or leave money in super?
Compare immediate cash needs with the consequences of withdrawing, rolling over or retaining amounts within superannuation, subject to the rules that apply to your circumstances.
Debt and cash-flow priorities
Work out how the benefit may need to support living costs, housing, debt repayments, medical or care costs and an emergency reserve.
Investment advice after a TPD payout
Create an investment and liquidity framework around the purpose of the money, expected spending, risk capacity and time horizon rather than investing the payout as a single undifferentiated amount.
Estate and protection updates
Review beneficiary, estate and remaining insurance arrangements where health, work capacity, family responsibilities or asset ownership have changed.
A clear record of the benefit, the evidence still required and the financial decisions that follow.
- The source and structure of the proposed benefit
- Fund-reported tax components and relevant dates
- Immediate cash and debt requirements
- Superannuation withdrawal or retention questions
- Investment and income needs after payment
- Which issues require legal, medical, accounting or tax specialist input
TPD tax component estimator
The educational estimator applies the disability lump-sum modification formula in section 307-145 of the Income Tax Assessment Act 1997 to user-provided dates and benefit information. It estimates components only, not whether the benefit qualifies or the amount of tax payable.
Estimate the tax components before discussing the wider payout strategy.
You receive the result immediately. No email form is required before the calculator gives value.
This page is general information and is not legal, medical or personal tax advice. TPD policy definitions, superannuation release conditions, disability tax treatment and your personal position can differ. AMGENT will agree the advice scope before any personal recommendations begin.