Income Protection lawyers

Income protection is a type of insurance built into your superannuation, specifically to pay your wage if you are temporarily unable to work due to illness or injury.

You don’t have to prove that:

• Someone was at fault
• You’re unfit for all work—just temporarily unable to do work that fits your skill level and expertise. For example, if you are a lifelong manual labourer, you can get income protection payments even if your doctors think you’re fit enough for an office job.

We believe everyone deserves strong legal representation, regardless of their financial situation. This is especially true for people who are unable to work for a period of time, and may therefore have no source of income. That’s why we offer:

• A No Win No Fee Guarantee: pay no fees until we’re successful
• A free initial consultation: get specialist legal advice, free and obligation-free
• No upfront charge for any expenses: we cover all costs, including doctor’s visits and expert reports
• A fixed fee on most claims: know exactly how much we charge before we start work

The first step is to ask your super fund about the income protection cover included in your superannuation policy. If you have a private life insurance policy, look in your policy schedule to confirm your cover.

If you’re unsure how to proceed, or just want advice on what income protection you may have, contact us today for a free consultation.

Most claims are finalised within 1 to 3 months from lodgement and payments begin anytime from 2 weeks to 2 months after your claim is approved by the superannuation trustee. Over the years we have found ways to fast-track these types of claims and get the benefits paid to our clients usually within 3 to 4 months from the first consultation. That’s why it’s crucial to start your claim right away—not only will you get paid sooner, but you’ll also avoid any time limits that might apply to your claim.

Don’t take no for an answer and engage a specialist lawyer immediately. Insurers often refuse to pay income protection to unrepresented clients. They might find a doctor who says you’re able to work, or try to cancel your policy on the grounds of non-disclosure or insurance fraud. In some cases, the insurer may claim your condition is a pre-existing one.

As specialists in this field, we are not only familiar with these strategies, but the ways to defeat them. We’ll ensure you are paid your rightful entitlements, either by lodging a dispute with the insurer directly, or less frequently by taking the case to Court.

The law surrounding income protection claims can be complicated, and super funds and insurers make it difficult for self-represented claimants to get the benefits they’re entitled to. They might practice delaying tactics, or reject your claim on unreasonable grounds.

Our expert lawyers are well aware of these tricks and will ensure that:

• You’re aware of all potential disability benefits
• Every dollar of your benefit is claimed and paid to you
• You’re protected from the stress of dealing with large institutions. As part of the process, we will deal with the insurer, superfund, doctors, the Australian Tax Office, Centrelink, and your Workers’ Compensation insurer on your behalf

When you come to us, will be working with the “Personal Injury & Superannuation Law Firm of the Year in Australia”. We’re one of most leading insurance and superannuation law firms in Australia, driven by a commitment to getting the best result for every client.

• In 2021 alone, we secured for our clients $49 million in insurance and super claims.
• With over 20 years’ experience in the industry, we will fast track your claim, meaning you and your family get your entitlements sooner.
• We’re tough, experienced and well-prepared. Our reputation means insurance companies will take your claim seriously and pay your maximum entitlements.
• We have the inside track - many of our lawyers worked for insurance companies before becoming part of our income protection team.
• Throughout the process, you’ll have your own lawyer to guide and support you—leaving you to concentrate on getting well.

We’re committed to getting you back on track. But don’t just take our word for it, check out our google reviews or watch what some of our clients say about us.