Not quite sure what the story is here - you can’t claim twice for the same loss. If I drive into my garage with my bicycle on the roof rack (don’t ask how I know this can be done) I can’t claim from both my motor vehicle insurer and my home insurer for the damage to my garage door. If the income protection insurer is paying until age 60, then it stands to reason that the TPD insurer shouldn’t have to cover the same loss of income. And no, I am not paid by an insurance company.