When Pieta was diagnosed with breast cancer, she attempted to claim a TPD benefit through her superannuation. Her insurer rejected Pieta’s claim. Pieta then came to us....
Read moreYou’re probably familiar with superannuation: your employer-funded, retirement nest egg. What you might not know is that most super policies include financial assistance if you can no longer work due to injury or illness.
Depending on your policy, you may be able to claim:
If you’re unsure about your policy, have already had your claim rejected by an insurer, or just want free, expert advice — speak to us today. Our dedicated superannuation team are here to help.
Find out whether you’re entitled to a TPD benefit today.
There are different factors that influence how long your claim will take, including your insurance company, the benefit amount, and the complexity. Some take as little as 4 weeks; most take between 6 – 12 months.
Our team have developed procedures to fast-track your claim—so no matter your situation, you’ll get access to your valuable entitlements sooner.
For a more precise estimate, speak to one of our specialist team today. In your free consultation, we’ll assess your policy terms and provide advice tailored to your situation.
You speak to one of our lawyers about your particular situation. It’s likely that the lawyer you speak to will see your claim through to its successful completion.
We investigate your superannuation or life insurance policies, and determine what entitlements you may have.
We provide free advice on your policy and entitlements, as well as options for how to proceed.
We obtain evidence from third parties, including income tax returns, medical reports, and Centrelink claim files. As part of this process, we may ask you to attend a free, independent medical examination by one of our doctors.
Once we have all the evidence, we prepare detailed legal submissions in support of your claim. We then complete all of the claim forms and submit your claim.
Our team use their extensive experience to increase your chances of success. We’ve won many awards for our work, including ‘Compensation Law Firm of the Year 2020 GBM Global Awards.’
The amount you can claim depends on the terms of your individual superannuation and life insurance policies, as well as the type of claim you’re making.
You’ll receive either monthly payments or a lump sum. It’s designed to alleviate the financial stress of not working (or working less than you usually would). At the lower end, lump sum payments can be in the thousands; at the higher end, they can reach over $1 million.
Your compensation depends on the reason for your claim and the balance of your super on the date your claim is approved.
The insurer will pay your insurance and superannuation compensation. This could be your private life insurer, superannuation fund, employer sickness and accident insurer, or even your mortgage and credit card insurers.
While your employer may have to provide a statement, they are not legally involved in the claim.
The benefit you receive is based on:
The lump sum payment will be made into your super account and then, based on your specific payment instructions, released by the Funds Trustee.
It’s common for an illness or injury to change over time. Normally, this will not affect your ability to make a superannuation insurance claim.
As a general rule, your insurer will focus on whether or not you have reached maximum medical improvement. This means you are medically stable and have exhausted all medical treatment options for your illness or injury.
Before you cease work due to injury or illness, it’s vital to get medical evidence supporting your claim. You’ll need doctors to confirm that you can no longer do your current job or any other job within your education, training and experience.
To make a superannuation claim, you must have held insurance cover at either:
Generally, the benefit you receive is paid according to that date.
This means if you were not insured at the time, you may not have a claim. However, there are still circumstances when you may be entitled to a claim. A specialist lawyer can help outline your options.
During your free consultation, we’ll investigate your insurance cover, determine whether or not you have a claim, and advise you on your options. While we don’t handle professional negligence claims against insurance or financial advisors, we will still investigate your policy to get you the best possible outcome.
If you’re underinsured, unclear about your cover, or just after advice, give us a call today.
While you can pursue a claim on your own, going head-to-head with your insurer can be a confusing and distressing experience—especially if you’re recovering from illness or injury.
In our experience, insurers can be unfair to unrepresented claimants. They may insist on unnecessary medical examinations and even deny valid claims for minor reasons.
Obtaining strong legal advice and representation can completely change the outcome of your case.
A good lawyer will:
Best of all, our No Win No Fee guarantee keeps your claim risk-free. We cover all upfront costs, and you pay nothing until we win your case.
Most insurance policies come with time limits for making a claim, though the exact limit will depend on the terms of your policy. We always advise starting your claim as soon as possible. The longer you wait, the harder it can be to obtain evidence and get your claim approved.
As with most claims, there are factors that can exempt you from these time limits. If you are outside the time limit, contact a superannuation lawyer immediately.
When you walk through our doors, our top priority is to help you as much as we can. This commitment is shown in over 200 5-star reviews.
If you’re unable to work, you need financial support—fast. Our dedicated superannuation team have the legal strategy and experience to help identify all your entitlements, and fast-track your claim.
Before joining us, many of our senior superannuation lawyers worked for insurance companies, so we know the tactics insurers often use to deny claims.
Voted ‘Compensation Law Firm of the Year in Australia 2020′, we’re industry leaders with the expertise to uncover every additional claim, including disability and negligence. Often, these claims are worth significantly more than your superannuation or life insurance claim alone.
Speak to us today for free, comprehensive legal advice. Find out where you stand, what additional claims you may have, and how to get the compensation you deserve.
Learn more about usUse our online claim checker to instantly find out if you have a claim. Alternatively, just give us a ring — our expert lawyers are always ready to answer your questions.