& Disability Claims

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At Monaco Compensation Lawyers (MCL) we have a team of highly trained lawyers who deal only with insurance, TPD and superannuation claims.

Specialty services our lawyers can help you with include:

Total and Permanent Disability (TPD)

Life Insurance and Death Benefit Claims

Most superannuation funds have valuable disability benefits attached to them to protect you if you are unable to work due to injury or illness. Unfortunately, accessing these benefits can often be a long and complicated process. Most people are not even aware that these benefits are available as part of their superannuation policy. For more information on how we can help, please click on a relevant page above.

Free initial consultation

We offer a free initial consultation where we meet with you and evaluate whether your claim is viable from a legal perspective.

Alternatively, contact us on 1300 769 665 and one of our legal experts will provide you with free initial advice over the phone the first time you call our office.

No-Win – No-Fee Guarantee

We believe that everyone should have access to legal representation irrespective of their financial situation.

It is for this reason that we have introduced our No-Win-No-Fee Guarantee. This scheme allows for payment of our legal costs to be postponed until after the successful conclusion of your claim. No successful outcome, no fee owing. It is as simple as that.

If you have a valid claim, we will offer you a No-Win – No-Fee contract. It is a simple and easy-to-understand document that we will provide you before we start work on your claim.

If you would you like a free initial consultation with an expert lawyer, call us now on 1300 769 665.

Common Questions

Do I have a superannuation, life insurance or disability insurance claim?

There are many different types of insurance related claims available if you are unable to work due to injury or illness. Unfortunately, it can be hard to know where to start. It is for this reason, that MCL offers an Initial Free Consultation with our superannuation and insurance legal experts to determine your rights and ability to make a claim up front.

During your Free Initial Consultation, our lawyers will identify which types of insurance benefits you may be entitled to. These include:

Total and Permanent Disability (TPD)

The TPD benefit is payable in the circumstances where a person becomes seriously ill or suffers a substantial injury which affects his or her ability to return to work. Click to read more about Income Protection claims.

Income Protection (also known as Salary Continuance or Total and Temporary Disablement)

If you are unable to work because of an injury or illness, you may be able to claim salary continuance or income protection benefits to act as a wage replacement.
Contact us today to speak to one of our expert solicitors who will let you know if you have a claim for Income Protection.

Life Insurance and Death Benefits Claims

You may be entitled to a lump sum benefit from a loved one's super contributions and insurance benefits. Click to read moreabout life insurance and death benefit claims

Where do I find my disability policy?

If you are a member of a superannuation fund, most provide disability insurance cover to their members. Therefore, the first place to check is to review your superannuation funds' quarterly statements.

You may have your own life insurance policy, disability insurance or mortgage insurance. All of these often result in substantial insurance coverage in the event of disability.

Our Lawyers are experts and can help you find out if you have any disability insurance available, so contact us today.

What are the requirements for making a claim?

The requirements for making a claim vary according to the type of claim you are making.

  • TPD claims: It depends on your policy, but generally you need to show that you cannot work in your job, and cannot do similar jobs for which you have training and experience. You don't have to show that someone else was at fault.
  • Income Protection claims: Like TPD Claims, you don't have to show that someone else was at fault. It will depend on your policy, but generally you need to demonstrate that you have lost capacity to do your job, that you are not working and earning a wage and that you are receiving medical care.
  • Life Insurance and Death Benefit claims: you need to demonstrate a close or interdependant relationship to the deceased. Superannuation is generally not included as a part of an estate, so normally does not have to follow the directions of a will.

In our experience, superannuation funds and insurance companies are often not forthcoming with self-represented claimants. We suggest that you contact one of our legal experts for a free consultation to discuss your rights.

How long will my claim take?

This will depend on the insurer, the benefit amount and the complexities of the claim, but we have had some of our TPD claims accepted in less than 2 weeks!
Generally, TPD claims take between 6 - 12 months. At MCL, our specialist lawyers have developed procedures which allow most claims to be fast tracked.

What can be done if the claim is rejected? (Insurance Disputes)

If the insurer has rejected your claim, there are ways to dispute their decision. However, it is not a straightforward process.

The Courts have determined that they may not at times have the power to overturn an insurer’s decision. This means if a TPD or Superannuation claim is declined it may be final. The only way the Courts have the power to overturn an insurer’s decision is to prove that the insurer has been unreasonable and that they have breached their duties to the claimant. This makes rejected claims quite complex.

Our team has experience working on the otherside of matters for insurers and superannuation funds and know the rules of when an insurer has breached their duties.

Over the years, MCL has established a track record of successfully challenging and overturning unfair determinations made by super funds and insurance companies. Our lawyers are experts and can help you appeal any unfair decision, so contact us today.

How much will it cost?

Many people who make superannuation and insurance claims are in a difficult financial position. It is for these reasons, that MCL has developed a special payment option for our insurance/superannuation clients. This option involves:

  • No Win No Fee Guarantee;’
  • Free advice at your initial consultation;
  • No charge for any expenses;
  • Fixed fee on most superannuation and insurance claims.

Why trust MCL with my disability insurance and super claim?

MCL is one of the leading superannuation and insurance claim law firms in Australia. Our lawyers are experts at working out the fine print in insurance policies. We can provide you with clear advice and undertake a free super claims check.

We also have the financial muscle and specialised knowledge to take on the big insurance companies and help you regain control of your life when you need it most.

At MCL you will have your own expert lawyer, who will always be available to answer your questions.  Click here to find out more about our No Win No Fee Guarantee.

To find out more about MCL and how we can help you, click the following links:

10 Reasons To Choose Us

No Win No Fee Guarantee

You can afford high quality legal representation without having to pay any upfront costs. We will never charge unless we successfully recover compensation. This means that if your claim is unsuccessful, you don’t have to reimburse us for any of the legal fees and expenses associated with your case.

Free advice from a solicitor

You can get free advice from one of our expert lawyers both on the phone and or in person. How does it work? You simply call us at 1300 769 665 and you will be transferred to one of our lawyers who will provide you with clear and comprehensive advice free of charge. You can also submit an enquiry online and, again, our written advice to you will be obligation free.

98% cases won

We win the overwhelming majority of our cases. Obviously, this doesn’t happen by chance – only hard, diligent work gets results. What does it mean for you? It means that nothing is left to chance and no stone is left unturned in getting you the successful result you deserve.

Award winning law firm

At MCL we take pride in our work and work tirelessly to be the best in the industry. We have been voted Personal Injury and Superannuation Law Firm of the Year 2018 in Australia (CorporateINTL Awards).

4.7 Star rating on Google

Don’t just take our word for it – look at independent Google reviews from our clients. In fact, Monaco has the highest Google rating within the industry.

Leaders in our field

For over 20 years MCL has been a leader in the field of compensation law. With 43 offices nationwide, we can deliver our services to you wherever you are. No matter how big or small your claim, we have the expertise to handle it successfully.

We are specialists in Superannuation – TPD claims

At Monaco, our lawyers are some of the best trained and qualified in the industry.We have a team dealing exclusively with Superannuation – TPD claims, headed up by an Accredited Specialist. So no matter how complex your claim, we have the expertise to handle it successfully.

Maximum compensation

Don’t let insurance companies pay less than your claim is worth. You deserve substantial compensation for your suffering and it is our responsibility to get it for you. We have the training and expertise to ensure that nothing will be left to chance when preparing your claim. The result – maximum compensation recovered in every case.

We are in for the long haul

Compensation claims can be expensive to run. We have the financial muscle to go the distance against the limitless resources that can be deployed by the insurance companies. If we take your case, we’ll run it on a No Win No Fee basis, so you have nothing to lose.

Home and hospital visits

We have dealt with injured people over many years and understand that sometimes travelling to see a lawyer can be difficult. This is why we offer our free home and/or hospital visit service. All you need to do is ask!

Free Case Consultation

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