Income Protection lawyers

If illness or injury has left you temporarily unable to work, a wage replacement can help.

Get free advice

Frequently Asked Questions

What is income protection?

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.

How much will it cost me?

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

How do I find out if I have income protection?

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.

How long does it take?

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.

What happens if my claim is rejected?

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.

Do I need a lawyer?

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

Why trust us with your Income Protection claim?

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.

98% Success Rate

We have one of the highest success rates in the industry. This doesn’t just happen. It’s our hard, diligent work that gets results. We leave nothing to chance in preparing your claim, so you get the result you deserve.

Why choose our team of Income Protection Lawyers?

For over 20 years, we have helped thousands of people all over Australia make successful income protection claims. We know all the insurer tricks, offer comprehensive legal advice, and have the experience to maximise your entitlements.

You’re also covered by our No Win No Fee guarantee, which means you’ll pay nothing until we successfully finalise your claim.

In addition to your Income Protection claim, we investigate any other claims you might have, including salary continuance, Total or Temporary Disability (TTD), and negligence claims against your employer. Our lawyers are experts at discovering additional claims, helping to further secure your financial future.

Contact a Lawyer Now

Award-Winning Lawyers

We’re leaders in superannuation law. Awarded “Superannuation Law Firm of the Year” at the 2020 GBM Awards, you can be confident your income protection claim is in expert hands.

Income Protection Law Specialists

We have an expert team that deals exclusively with income protection, headed by Law Society Accredited Specialists. No matter how complex your claim, we can handle it successfully.

Unlock All Your Entitlements

Many people don’t realise they have valuable benefits outside their superannuation policy. We investigate all your legal options, uncovering lucrative additional benefits.

4.9 Star Google rating

Don’t just take our word for it – see independent Google reviews from our clients. In fact, we have the highest Google rating in the industry.

34 Offices Australia wide

With offices all over Australia, we can help you wherever you are. Alternatively, we can organise video conferencing, or come to you in person.

Fast-Tracked Claims

Our streamlined procedures mean your claim is lodged faster, so you get access to your valuable benefits sooner.

What to expect during your Income Protection Claim Process

  1. Get in touch for your free initial consultation Tell us what’s happened: our team will listen, ask questions, and get the details we need.
  2. We investigate your policy With all your super fund and insurance company details, we make enquiries about your insurance cover on your behalf and compile the necessary documents to start your claim.
  3. Attend your free initial appointment Once we get the details of your cover, we give you an outline of your policy benefits and compile detailed evidence about your injury or illness. At this point, we will provide a quote for our work, covered by our No Win No Fee agreement.
  4. We obtain further evidence in support of your claim Once you officially engage us, we start gathering evidence, from agencies such as ATO, WorkCover, Centrelink as well as your doctors.
  5. We submit your claim To support your claim, we prepare detailed legal submissions, claim forms, and other evidence to the fund and insurer.
  6. You may attend an independent medical examination If necessary, we cover the upfront cost. You will be asked about the history of your injury or condition, including questions about your work and medical history. If you need an interpreter, we organise this for you too.
  7. Your case will be resolved

    We let you know when your claim has been successfully resolved, and you tell us how you want to receive your benefit. We make sure you receive the funds as soon as possible. If your claim is declined, we will talk to you about further action.

Work with our award winning team

Find out where you stand Free of charge

Call us

Call 1300 769 665

Our friendly lawyers are available to talk Monday to Friday, 8:30am – 5:30pm AEST.

Live chat

Start Live Chat

We are available to chat online 24/7. Reply time is typically within seconds.

Let us contact you