Health & Finance Integrated

14/10/2026

Does the TPD tax-free uplift mean your whole payout is tax-free?
Not necessarily.
Paul Conte explains what the disability tax-free uplift actually does and how it can increase the tax-free component of an eligible TPD benefit held in superannuation.
The remaining taxable portion may still be taxed when withdrawn, depending on your age, super balance and individual circumstances.
Before withdrawing a TPD benefit, it is worth understanding:
• how much may become tax-free
• what may still be taxable
• whether you need to withdraw the full amount
• what may be better left inside super
A TPD payout can be substantial, so the tax structure matters.
Learn more at healthfinance.com.au
General information only. Personal financial and tax advice may be required.

13/10/2026

Your TPD claim has been approved. What happens next can matter just as much as the approval itself.
Paul Conte explains why the order of your financial decisions matters after a TPD benefit is paid into super.
Before withdrawing money to pay off the mortgage, cover expenses or make other major decisions, it can be important to understand how the withdrawal may affect tax, superannuation and your longer-term options.
Sometimes the right decision is not just about what you do with the money, but when you do it.
Learn more about specialist TPD and superannuation advice at healthfinance.com.au
General information only. Personal financial and tax advice may be required.

12/10/2026

A TPD payout can be life changing, but the tax treatment is not always straightforward.

In this reel, Paul explains the TPD tax discount, sometimes called a tax uplift, and why details like your date of birth, service history and superannuation record can matter.

The right strategy can make a real difference, but it needs to be considered carefully alongside Centrelink, cashflow and the bigger financial plan.

If you have been approved for TPD or are deciding what to do next, it is worth getting advice before making withdrawals.

Call Health & Finance Integrated on 1300 10 44 99 or visit healthfinance.com.au

12/10/2026

Have a medical condition and wondering whether you can still get disability insurance?

A past injury, chronic illness or mental health history doesn’t automatically mean you’ll be refused cover. Depending on your circumstances, an insurer may offer standard terms, a higher premium, an exclusion or a deferral. Different insurers can also assess the same condition differently.

Before applying for anything new, check the cover you already hold. Rolling over or closing a super account can cancel the insurance attached to it, and replacement cover may be harder to get.

General information only. Consider your own circumstances and the relevant PDS before making any decisions.



Read our guide:

Can you get disability insurance with a pre-existing condition? Learn how insurers assess health issues, how super cover differs and what to check first.

21/09/2026

What happens when retirement comes much earlier than you ever planned?

In this video, Paul shares the story of a client in her 30s who was forced to stop working because of her health. When her insurance payout arrived, it did not automatically feel like a relief. Suddenly there were decisions to make around tax, debt, investing and how to make the money last.

The approach was kept practical and simple, including paying down the mortgage, creating some breathing room and putting a flexible structure in place for the future.

Because when life throws you a curveball, you do not need to have every answer straight away. Sometimes the first step is simply understanding your options.

If you have received a TPD or insurance payout and are unsure where to start, reach out for a chat.

📞 1300 10 44 99
🌐 healthfinance.com.au

15/09/2026

A TPD benefit can involve two separate sets of rules: the rules that determine whether you can access the money from superannuation, and the tax rules that apply when it is withdrawn.

Paul Conte explains how these systems work together.

Under the superannuation rules, a fund trustee must be satisfied that the relevant condition of release has been met. For permanent incapacity, this generally requires medical evidence that the member is unlikely to return to work for which they are reasonably qualified by education, training or experience.

The tax rules then determine how the payment is treated, including whether the disability tax-free uplift may increase the tax-free component of an eligible lump-sum withdrawal.

The outcome can depend on factors such as:

• Your eligible service date
• The date you stopped working or became disabled
• Your expected retirement date
• The taxable and tax-free components already in your account
• Whether the payment is taken as a lump sum or income stream
• The timing of the withdrawal

Different super accounts may have different service dates, which can produce different uplift calculations. The uplift can also reduce over time, so delaying a decision may affect the outcome.

The taxable component of a withdrawal may also affect adjusted taxable income and could have consequences for Centrelink or other income-tested payments.

Learn more about specialist TPD and superannuation advice:
https://healthfinance.com.au/

This video contains general information only and does not take into account your personal circumstances. Please obtain personal financial and tax advice before accessing or restructuring a TPD benefit.

15/09/2026

When life is already demanding, financial decisions can become harder to manage.

For someone dealing with illness, disability, stress or overwhelm, good advice is not about piling on more information. It is about making the next step clear, using plain English, and giving people the time and space to make decisions they understand.

Sometimes that means one decision at a time, shorter meetings, clearer follow-up and a slower pace.

Complex advice can still be good advice, if it is delivered in a way the client can actually use.

If you or someone you support is feeling overwhelmed by financial decisions, HFI can help make the process more manageable.

1300 10 44 99
healthfinance.com.au

15/09/2026

When someone is managing illness, disability, a mental health condition or exhaustion from caring for someone else, they don't usually need more financial information. They need the next decision made simple, and taken one step at a time.

Our latest article looks at why simplifying and staging advice, rather than covering everything at once, can make a real difference for clients and families in this position.

Read more: https://healthfinance.com.au/financial-advice-vulnerable-clients/?utm_source=facebook&utm_medium=social&utm_campaign=vulnerable-clients-advice

Not sure where to start? Call HFI on 1300 10 44 99.

Financial advice for vulnerable clients may need to be simplified and staged. HFI supports people managing illness, disability or overwhelm.

18/08/2026

How are compensation lump sums actually treated under Centrelink? For lawyers and professional advisers, the answer often comes down to what the payment represents, not just the amount received.

Our latest guide walks through settlement terms, redress payments, the preclusion period and what to check before a settlement is finalised.

https://healthfinance.com.au/compensation-lump-sums-centrelink/

📞 Or call our team on 1300 10 44 99 to talk through a specific case.

A guide to how compensation lump sums are treated under Centrelink, covering settlement terms, redress payments and what lawyers should check first.

05/08/2026

A large payout can feel like the end of the road. For many claimants and their families, it's not.

The real work often begins after the settlement letter, not before it. Centrelink implications, existing debt, family pressure and reduced earning capacity can all quietly erode a payout that looked more than sufficient on paper.

Our latest article looks at what a genuine post-claim financial strategy actually covers, and why claimants, families and referring lawyers all benefit from treating it as part of the process early.

Read more:

A payout alone doesn't guarantee security. Learn what a post-claim financial strategy covers and why it matters for claimants and families.