NDIS Access & Eligibility Guidance
Understanding the National Disability Insurance Scheme and how it interacts with your superannuation and insurance claims. General guidance to help you navigate your options.
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Who Is Eligible ?
What is the NDIS?
The National Disability Insurance Scheme (NDIS) is an Australian Government program that funds reasonable and necessary disability-related supports and services. It is not means-tested — meaning your income, assets, or insurance payouts do not affect your eligibility. NDIS is separate from superannuation insurance claims such as TPD and income protection.
The 3 Stages of Approval
Understand Your Entitlements
We explain how NDIS, DSP, TPD, and income protection interact, so you understand the full picture of support available to you.
Coordinate Your Claims
f you are pursuing TPD or income protection alongside NDIS, we ensure your insurance claims are managed without conflicting with your government benefits.
Connect with Specialists
We refer you to appropriate NDIS planners and support coordinators for the application process itself.
How NDIS Interacts With Insurance Claims
Many Australians do not realise that NDIS eligibility is entirely separate from superannuation insurance. You can receive NDIS funding and claim TPD or income protection simultaneously. However, large lump sum payouts (like TPD) can affect other government benefits such as the Disability Support Pension (DSP) through Centrelink’s assets test. We help you understand these interactions before you make financial decisions.
Q. Does a TPD payout affect my NDIS eligibility?
No. NDIS is not means-tested, so your TPD payout does not affect your NDIS access or funding.
Q. Can I claim TPD if I am already on the NDIS?
Yes. Being approved for NDIS can actually support your TPD claim by providing additional evidence of the impact of your disability.
Q. Does ClaimRight manage NDIS applications?
No. We specialise in superannuation and insurance claims (TPD, income protection, trauma). However, we provide guidance on how these interact with NDIS and can refer you to appropriate NDIS support coordinators.
This guide was reviewed for medical and insurance accuracy by ClaimRight Advocacy Team.
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