Is the National Disability Insurance Scheme Enough to Protect You and Your Family?

Currently, the National Disability Insurance Scheme (NDIS) has two trial sites in the Perth area. The NDIS is under the umbrella of the National Disability Insurance Agency (NDIA). It is currently available for residents of two Perth suburban areas: the Lower South West and Cockburn/Kwinana.

What is the NDIS?

According to their Government website, the NDIS is a scheme in which the disabled are offered community assistance to help them live better lives. It is designed to assist not only people with disabilities, but their carers and their families. It is intended to provide those who suffer a significant and permanent disability. Assistance includes information, referrals, individualised supports and plans, early intervention and support to help access activities and community services.*

However, there is one thing that the NDIS isn’t: it is not Total and Permanent Disability Cover.

What is Total and Permanent Disablement Cover (TPD)?

TPD or Permanent Incapacity (PI) cover is a wealth protection vehicle that pays you a pre-determined lump sum if you are disabled while the policy is in effect. You receive the lump sum if you are never able to work in your own or another occupation you are suited to through your education, training or experience.

Our parent company, AMP, provides TPD or PI cover. It is designed to provide support for you and your family if you are unable to work again. It is usually used to cover debts and to compensate for the loss of income.

There are three basic types of TPD cover: Own Occupation, Any Occupation and Activities of Daily Living (ADL). PI cover definition allows for Any Occupation and ADL only.

Own Occupation TPD covers you if you are unable to work in your own occupation again. Any Occupation TPD/PI covers you if you are unable to work in any occupation. ADL TPD/PI covers you if you are unable to conduct two out of the five activities of daily living.

Call Approved Financial Planners Today

Each individual situation is different. The best way to know whether or not you would benefit from TPD cover is to talk to one of our financial planners. Call 08 6462 0888 today.

*NDIS: “What Help Can I Get.: https://www.ndis.gov.au/people-disability/what-help-can-i-get

Beverly Blight 4 weeks ago

A relaxing experience for such a burdening issue. Tracey and her team have welcomed us to her flock with an attitude rarely seen these days, 'anything is possible'. Thankyou for making our finances seem 'too easy'. We will recommend this Company to all that need financial help.

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Raylene Watson 1 month ago

We have been with Approved Financial Planners for a few years now, after being referred by a family member.
We have found the staff to be attentive, knowledgeable and approachable at all times.

Jennifer Mohr 1 month ago

We have been consulting with Dan and the team at Approved for several years now and have been very pleased with the level of service. They have gone above and beyond to make sure we receive up to date advice and plan financially what is best for our current situation. The team's industry knowledge and attention to detail allows for strong communication and trust in the process. Approved's online portal also provides an easy to use platform for predictions, goals and portfolio snapshots. Highly recommend Approved Financial Planners for all your financial planning needs.

veronica feleppa 1 month ago

Daniel has assisted us in our financial strategies for over a decade. We are business owners and our circumstances have changed often over the years. With Dan's deep knowledge, professionalism and genuine care of our well-being, his advice has been invaluable. Our annual reviews have become more like catching up with a genuine trusted friend.

Atish Shah 2 months ago

Dan and the team at Approved FP have looked after me really well for the past several years and I highly recommend them. They provide sound financial advice and are well organised with all the documents which gives me great comfort knowing that my future is in good hands!

Lewis J. Cox 2 months ago

I have know Andy Van Geyzel since June 2013, and in that time I have come to trust him and his financial advice. I find in any relationship personal as well as professional respect and trust is important. Andy is kind respectful, really cares about his clients, and it shows. This is an expanded review. My adviser is now a delightful person a living legend 🙂 Tracey Corbett, previous Agents Andy and Raf and now Tracey instill trust in people who are their clients, that is a rare quality gift. Support staff, they know who they are a treasure are brilliant at their jobs. Until proven otherwise, everyone at Approved Financial Planner really care about people, and it shows.

brigit roberts 3 months ago

We met with Tracey Corbett on Monday night the 9th September. Tracey has a perfect balance of being friendly and remaining professional. This is so important in this digital age where we don't all "subscribe" to the virtual meeting, but require the face to face time, so any questions or issues can be discussed, clarified and corrected.
Despite meeting in the late afternoon Tracy had all the time in the world, and at no point did we feel "rushed"
We can highly recommend Tracy as your advisor!!!

Stephen Rowins 3 months ago

Our experience with Daniel was excellent. He is very knowlegeable and clearly explained the investement options available to us including both the short and long term implications of asset growth. There is significant uncertainty in the economy and Daniel devised an investment plan that suited to our particular needs as we approach retirement.

Julie Jackson 3 months ago

Thanks Tracey for your knowledgable advice and keeping us on the right track through our retirement. You answered our questions beautifully and put us at ease. We can confidently recommend Approved Financial Planners to our friends in the knowledge they will give honest and professional advice.

Judith Hill 3 months ago

I write this review, with my heartfelt thanks for the professional, caring assistance given to me by Approved Financial Planners, following the death of my husband in January this year.
Our financial planner, Tracey Corbett, provided invaluable assistance steering my family through the paperwork required to settle my late husband's estate. Her caring, professional approach helped me negotiate the more difficult financial aspects of this task by offering time and support that was most appreciated.
My husband's passing has dramatically changed our circumstances and at this time of review, Tracey's planning skills are clearly evident as we chart my way forward. In the the following months I will be confident to proceed, knowing that the support of Approved Financial Planners staff, especially that of Tracey, will enable me to achieve a sound financial future.
Judith Hill

Graeme Caplan 4 months ago

Dan Stevens has been our financial planner for over 10 years, I made contact with Dan after many years of dissatisfaction and poor performances from our previous financial planner.
Dan has been absolutely fantastic in every aspect of financial planning for myself and my wife Kerry, we are confident that our retirement future is assured with Dan’s planning and backing.
Dan’s diligence, experience and thorough process has led to a complete turnaround in our financial future when compared to that of our previous financial planner.
When dealing with a financial planner the key ingredient for us is absolute trust, in this regard i have complete and utter faith in Dan and his very professional team !!
We not only consider Dan to be our financial planner but also a friend, we look forward to our annual meetings with Dan where he is always welcoming and always extremely well prepared.
I cannot recommend Dan & The Approved Financial team highly enough, we are so grateful that we have Dan and his team looking after us !!
Graeme & Kerry Caplan

Craig Wheatley 4 months ago

Friendly and professional service.

Linda Bolger 4 months ago

Steve and I have been with Dan since he began with Approved Financial. His knowledge of the industry and his ability to explained clearly the paths we have been taking have been very much appreciated. I have no hesitation in recommending his company

Brian Harvey 4 months ago

We have been seeing dan for about 10yrs now, we took our time in finding the right advisor to help plan for retirement. Dan is very patience and kind with us , always goes above and beyond in guiding us in the right direction. if we have a query Dan solves it, if we have a problem Dan fixes it , we are very confident with Dan's advice we will achieve our retirement goals. We walked into his office all them years ago and found a very professional advisor who we can place our trust in. Most importantly we continue to be Dan's client because of his love and dedication to his Family and thats means the world to us. We know Dan will show that same drive and dedication in our retirement journey.
Thanks Dan...

Bruce Blee 5 months ago

Thank you Tracy for the hard work and research you put into my finance portfolio

Stephen Brown 5 months ago

I am very happy with Daniel he has advised and helped with financial affairs and my retirement fund. He is easy to talk to and he explains things that I understand. Would highly recommend this company.

Veronica Brown 5 months ago

Daniel Stevens and his team are very professional and very easy to talk to and all matters are explained that even I can understand. Have been with AFP a long time.

Travis Bienkowski 5 months ago

Dan has been looking after me for many years and always takes the time to provide thorough financial advice. Thanks Dan! I would highly recommend Approved Financial Planners for anyone wanting a professional service.

Amy DellaMaddalena 5 months ago

We had our annual review today with Tracey. She is professional friendly and given us easy to understand advice. Very happy with her service.

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WHAT OUR CLIENTS ARE SAYING

Financial Planning & Advice Perth

Our Financial Advisers have over 40 years of combined experience
making us one of the most experienced teams in Perth.

Call Us Today (08) 6462 0888

Is the National Disability Insurance Scheme Enough to Protect You and Your Family?

WHAT OUR CLIENTS ARE SAYING

Financial Planning & Advice Perth

Our Financial Advisers have over 40 years of combined experience making us one of the most experienced teams in Perth.

Call Us Today (08) 6462 0888

Our Financial Advisers have over 40 years of combined experience
making us one of the most experienced teams in Perth.