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& Disability Claims
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 benefits attached to them to protect you if you are unable to work due to injury or illness. Unfortunately, obtaining access to these valuable 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.
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.
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 of the four type 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 TPD claims.
Income Protection or Total and Temporary Disablement (TTD)/Declined IP Claims
If you temporarily cannot work because of an injury or illness, you may be able to claim salary continuance or income protection benefits. Click to read more about TPD claims.
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 here to read more about 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: you need to show that you cannot work in their 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: 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 relationship to the deceased where that person has left no will.
Be aware that superannuation funds and insurance companies are often not forthcoming with self-represented claimants. We suggest, therefore, that you contact one of our legal experts to help you with this - remember your first consultation is free.
How long will the claim take?
Our experience is that most claims take between six and twelve months. However, we have also had many claims determined much earlier. 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?
If the insurer has rejected your claim, you can request them to undertake a formal review of the original decision. The other option available to you is to appeal your claim through the Courts. 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
You can afford high quality legal representation without having to pay any upfront costs. We promise to never charge unless we successfully recover compensation. This means that if your claim is unsuccessful, you don’t have to reimburse us for any legal fees and expenses associated with your case.
Free advice from a solicitor
Yes, you can get free advice from one of our expert lawyers both on the phone and in person. How does it work? You simply call us and you will be transferred to 1 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
Yes, 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
Our achievements have been recognized by some of the most prestigious awards within the industry, including personal injury Law Firm of the Year. Yes, we take pride in our work and work tirelessly to be the best in the industry.
4.6 Star rating on Google
Don’t just take our word for it – look at independent Google reviews from our clients. In fact, we have 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
MCL is one of the leaders in the field of superannuation – TPD claims. Our lawyers are some of the best trained and qualified in the industry. We have a highly trained legal team dealing exclusively with superannuation – TPD claims. No matter how complex your claim, we have the expertise to handle it successfully.
We maximise the value of compensation
Don’t let insurance companies pay less than your claim is worth. You deserve substantial compensation for your suffering – it is our responsibility to get it for you. Our lawyers have the training and expertise to ensure that no stone is left unturned 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!