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Personal injury: Structuring the Settlement So the Money Works: Super ‘Personal Injury’ Contributions, Centrelink and Asset Protection

A well-negotiated settlement can be significantly strengthened, or unintentionally undermined, by how it is structured at the point of resolution and what happens in the days immediately after funds are received. As the legal advisor, you are often the only professional involved early enough to influence how the settlement is documented and to shape your client’s next steps. Ensure you understand the small decisions at this stage that can have lasting consequences for tax outcomes, Centrelink eligibility and asset protection. 

Wednesday, 26 August 2026
Description

Attend and earn 1 CPD unit in Professional Skills 
This program is applicable to practitioners from all States & Territories

Professional skills
1.00pm to 2.00pm Personal injury: Structuring the Settlement So the Money Works: Super ‘Personal Injury’ Contributions, Centrelink and Asset Protection

 

Focus on the practical “hidden levers” that can preserve and enhance your client’s financial position, helping ensure the outcome you’ve achieved continues to work for them long term.

 

Through a practical, case study-based intensive, you will gain:

  • A clearer understanding of personal injury superannuation contributions, including when a TAC or personal injury settlement can be contributed under the special rules
  • Awareness of critical timing requirements, including the strict 90-day window and use of the ATO election form (NAT 71162), and the risks of missing these steps
  • Insight into how contribution decisions interact with access to super, trustee discretion, and broader tax considerations (at a high level, within your role)
  • A practical understanding of when Centrelink or DSP becomes relevant and how this influences structuring decisions
  • Knowledge of what clients (and their treating professionals) typically need to provide to support benefit eligibility and ongoing claims

Explore how these issues affect your clients in practice, including:

  • Their ability to preserve more of their settlement in a concessionally taxed environment
  • Their eligibility for Centrelink benefits and long-term income support
  • Their exposure to unnecessary financial loss due to missed opportunities or timing errors
  • Their overall financial security and confidence in the outcome you secured

 

By strengthening your understanding of these structuring considerations, you can:

  • Help maximise and protect the real value of settlement proceeds
  • Identify critical steps that must be taken early before options are lost
  • Provide more informed, client-focused guidance at the point of resolution
  • Reduce the risk of future dissatisfaction or “missed opportunity” concerns
  • Reinforce your role as a trusted adviser focused on long-term outcomes, not just settlement

Presented by Nicola Beswick, Managing Principal and Founder, White Rabbit Advisory

Presenters

Nicola Beswick, Managing Principal and Founder, White Rabbit Advisory
Nicola is an ex-lawyer turned financial adviser and founder of White Rabbit Advisory. She is also the Chair of the Pro Bono Financial Advice Network (PFAN). Nicola has completed the Certified Financial Planner®, Accredited Aged Care Professional™, and SMSF Specialist Advisor™ and holds a Masters in Financial Planning. She is also a passionate MS advocate.




This seminar is part of a series

What Personal Injury Lawyers Need to Know about Financial Planning During and Post-Financial Settlement

Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

Description

Attend the 3-part series and earn 3 CPD units in Professional Skills 
This program is applicable to practitioners from all States & Territories

 

View series listing

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Personal injury: Structuring the Settlement So the Money Works: Super ‘Personal Injury’ Contributions, Centrelink and Asset Protection

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Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

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Single Session
Wednesday, 26 August 2026
1.00pm to 2.00pm Australia/Sydney
CPD Points 1
$160.00
$112.00
Online 20260615 20260826

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Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

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Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

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Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

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[{seminar_description_for_website=

Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

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[{seminar_description_for_website=

Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

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[{seminar_description_for_website=

Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

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[{seminar_description_for_website=

Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

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[{seminar_description_for_website=

Securing a strong settlement or TPD outcome is only part of your client’s personal injury journey. What happens at and after settlement can have a significant impact on whether that outcome delivers lasting value. While you are not expected to provide financial advice, your ability to identify risks, guide next steps and connect clients with the right support can make a meaningful difference to their long-term position. Across the series, you will gain practical insight into the common post-settlement issues that can affect financial stability, superannuation, tax, Centrelink and asset protection, with clear, real-world guidance you can apply immediately in practice. The result is better-informed client support, stronger long-term outcomes and greater confidence that the value of the result you achieved is not lost after settlement.  

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