Superannuation
& Disability Claims

Get Free Consultation

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, including :

What is a TPD claim?

A TPD benefit stands for Total and Permanent Disability, and is payable if you become seriously ill or suffer a substantial injury that permanently affects your ability to return to work.

You don’t have to prove someone was at fault, or that you are completely disabled, only that you cannot do your regular job or similar jobs for which you have training and experience.

Read more about TPD or contact one of our specialist lawyers who will talk you through your options.

What is an Income Protection claim?

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 until you are better.

You don't have to show that someone else was at fault just that you have lost the capacity to do your job, that you are not working and earning a wage and that you are receiving medical care.

Click to find out more about Income Projection claims or contact us to speak directly to one of our expert solicitors who can advise you if you have a claim.

What is a Life Insurance or Death Benefit claim?

You may be entitled to a lump sum benefit from a loved one's super contributions and insurance benefits. You need to demonstrate a close or interdependant relationship to the deceased.

Read more about Life Insurance and Death Benefit Claims or contact us and speak to one of our specialist lawyers to discuss your particular situation.

Where do I find my disability policy?

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

You may also 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.

In our experience, superannuation funds and insurance companies are often not forthcoming with self-represented claimants. Our Lawyers are experts and can help you find out exactly what disability insurance (or insurances) you are entitled to, so contact us today.

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 4 weeks.

Generally, 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, our experienced lawyers at Monaco Compensation Lawyers (MCL) are happy to provide a free second opinion on your potential prospects to dispute your rejected claim.

At MCL, most of our Superannuation Team have experience working for insurers and superannuation funds and therefore have inside knowledge on the strategies used to reject claims.

Rest assured, there may be ways to dispute their decision - but, it is not a straightforward process. In our experience, the complexities lie in the evidence that is obtained by the insurer and whether or not they have been reasonable in forming their decision. Ultimately, the Courts rely on what evidence you provide to the insurer during the assessment of your claim.

To successfully dispute decisions, our lawyers also consider alternative dispute methods which most claimants are not aware of.  This may include requests for internal review as well complaints to the relevant Ombudsman or Complaint Authority.

Over the years, our solicitors have established a track record of successfully challenging and overturning hundreds of claims. Your superannuation and insurance benefits could give you the financial support you need, so contact us today to obtain a free second opinion on any rejected claim.

How much will it cost?

We understand that most people who make superannuation and insurance claims are in a difficult financial position. So, MCL has developed a special payment option for our insurance/superannuation clients which includes:

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

Why trust MCL with my disability insurance and super claim?

An internationally acclaimed Compensation Law Firm, Monaco Compensation Lawyer is one of the leading disability insurance and superannuation law firms in Australia. With an experienced team of lawyers specialising in these claims, over the years we have helped thousands of Australians to access their benefits.

Our reputation for being tough, experienced and well-prepared means that the insurance companies respect us and are more likely to offer up your maximum entitlements. Twenty years in the business means we know how to fast track your claim and get your benefit to you as soon as possible.

In addition, prior to working for MCL, almost all of our claims team worked for insurance companies, giving them valuable insight into the tactics insurers sometimes use to try to reject your claim.

At MCL you will have your own expert lawyer, who will always be available to answer your questions.  Real people, delivering real results.

Find out more about us:

To speak directly to one of our lawyers regarding your superannuation or disability claim, contact us today.

Claim Process in 4 Simple Steps

1
Free consultation
We listen to your story and provide Free Case Assessment and advice.
2
Investigation of your claim
We obtain your medical records and consult with your treating doctors.
3
Lodging your claim
We prepare and lodge your claim with the insurer.
4
Managing your claim
We carefully monitor and manage your claim until the insurer accepts liability and pays you.

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

Find your nearest office

Loading...