TPD claims typically take between 6 and 12 months from submission to final payment, though complex cases can take longer. The timeline breaks down into several stages: Initial review takes 2-4 weeks where the insurer confirms you've submitted all required documentation and may request additional information. The assessment period typically takes 6 months from when the insurer receives all relevant documents - this is when they review medical evidence, may request independent medical examinations, and investigate whether you meet the policy definition. For superannuation-based claims, the claim then goes to the trustee for determination, adding another 1-2 months. If approved, payment processing usually takes 2-4 weeks. Delays commonly occur due to incomplete documentation, waiting for specialist appointments or reports, or the insurer requesting additional information. Some insurers are deliberately slow, using delay tactics to frustrate claimants. You can expedite the process by submitting comprehensive documentation upfront, responding promptly to requests, maintaining regular contact with your case manager, and keeping detailed records. If your claim exceeds reasonable timeframes, you can escalate through internal dispute resolution or lodge a complaint with the Australian Financial Complaints Authority (AFCA).