I recently was approved for TPD and DSP.
I also have another super account where I need to submit my tpd claim as well.
i have read and listened to a large amount of research regarding multiple claims, and am more confused than ever.
These two super policies are active.
I also had another super account for about 10 years (from my early 20s to early 30s). This policy was eventually closed and I moved my entire balance to a new fund that I am still with.
During these 10 years, the policy was active.
Fast forward 20 years and I became ill and unable to work again, so I am on DSP. During this time I also successfully claimed my TPD.
My illness started in August 2021 and how important is timing. For example, can I make a tpd claim on a policy that no longer exists, but was active with insurance for some 10 years.
It is all a bit confusing, ie TPD can only be paid from the date you became sick, or can it be claimed from a policy that was taken out nearly 20 decades ago?
Thanks.