Superannuation and Life Insurance Claims

Unable to work due to injury or illness? You may be eligible for a lump sum or monthly payments through your superannuation fund or life insurance.

Get free advice

In 2020 alone, we secured over $62 million in insurance payouts for our clients making superannuation claims.

Common Questions

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

Chances are you do. You might not know where to start, or you might have already tried and been knocked back by an insurance company. Our superannuation and insurance team can help you work out exactly where you stand free of charge.

A successful claim will not reduce your retirement contributions made through your super fund. The payout you receive will be covered by a separate insurance policy opened on your behalf.

I can’t work due to illness or injury - do I have a TPD claim?

If you have an illness or injury that permanently affects your ability to do your regular job, then you most likely have a TPD claim.

TPD, or Total and Permanent Disability, is a lump sum payment you can claim from your super fund or life insurance policy. This benefit is in addition to your superannuation contributions.

To make a successful TPD claim, you don’t have to be completely disabled or prove that anyone was at fault, just that you can no longer do your normal work.

I’ve lost income - do I have an Income Protection claim?

If you can’t work because of an injury or illness, you may be eligible for income protection insurance, which will provide you with a wage replacement until you’re better.

You don’t have to show that anyone was at fault, just that you can no longer do your job, that you are not working, and that you are receiving medical care.

Do I have a Life Insurance or Death Benefit claim?

All superannuation funds offer death benefits in the event of a loved one’s death. If you are a spouse, child, nominated beneficiary, or if you were financially dependent on someone who has passed away, you may be entitled to a lump sum benefit from a loved one’s super contributions and insurance benefits.

How long will my claim take?

This all depends on your insurance company, the benefit amount and the complexities of your claim, but your claim could be accepted in less than 4 weeks.

Generally, claims take between 6 to 9 months. Our team have developed procedures to fast-track your claim allowing you to access to your valuable entitlements sooner.

We can give you a more precise estimate during your free initial consultation once we assess your exact situation and policy terms.

Are there any time limits to making a claim?

Time limits apply for various insurance claims so it’s best to seek legal advice as soon as possible.

There is a two-year time limit to file a complaint in the Superannuation Complaints Tribunal.

There is also a six-year time limit to file court proceedings, which usually begins when insurer rejects your claim.

What can be done if my claim is rejected (insurance disputes)?

If an insurance company has rejected your claim, we can provide a free second opinion on your prospects of challenging the decision

Rest assured, there are ways to dispute their decision. Our solicitors have a track record of successfully challenging and overturning thousands of claims.

To successfully dispute these decisions, our lawyers consider all dispute methods including requests for internal review with the insurer or complaints to an external complaint authority, including the Superannuation Complaints Tribunal or the Australian Financial Complaints Authority.

Strict time limits may apply to disputing these decisions so you should  seek legal advice as soon as possible.

Have a question not answered here?Contact a Lawyer Now

98% Success Rate

We win the overwhelming majority of our cases. This doesn’t just happen. It’s hard, diligent work that gets these results. We leave nothing to chance in preparing your claim, so you get the result you deserve.

Why choose our team of Superannuation Lawyers?

We have a unique perspective because our senior superannuation lawyers worked for insurance companies before joining us. This means we know from the inside what strategies insurers use to put you off or decline your claim. We understand how to cut through the fog, so you get everything you are entitled to.

As well as considering your superannuation claim, our legal team will look into your overall legal position to identify any other potential benefits and entitlements you may be eligible for. This means you’ll get comprehensive legal advice on where you stand and any other claims you may be able to make.

Contact a Lawyer Now

Award-Winning Lawyers

We have been recognised as leaders in Superannuation Law. In 2020, we were awarded “Superannuation Law Firm of the Year” (GMB Awards). Be confident your Superannuation claim is in expert hands.

Superannuation Law Specialists

We have an expert team that deals exclusively with Superannuation, headed by Law Society Accredited Specialists. No matter how complex your claim, we have the expertise to handle it successfully.

Unlock All Your Entitlements

You may have valuable benefits outside your superannuation policy. Our point of difference is we investigate all your legal options, which often leads to additional benefits being recovered.

4.9 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.

34 Offices Australia Wide

With offices all over Australia, we can help you wherever you are. And if you are too sick to travel, we can organise video conferencing, or come to you in person.

Fast-Tracked Claims

We have developed procedures that mean your claim can be lodged quickly, so you get to access your valuable benefits sooner.

What to expect
Your Superannuation Claim Process

You might find it complicated and intimidating to access your benefits, especially if you’re not well. But don’t worry. You’ll have your own lawyer to guide and support you from start to successful completion. We handle everything, so you can focus on your recovery.

  1. You get in touch One of our lawyers will speak to you and get the details we need to start investigating your policy. It’s likely that the first lawyer you speak to will see your claim through to its successful completion.
  2. We’ll investigate your policy We’ll send you our initial pack which will request details of all your super fund memberships so we can investigate your entitlements.
  3. We advise you of your entitlements Once we get the details of your cover, your lawyer will give you free advice about what you’re entitled to and how to proceed.
  4. We gather evidence to support your claim We obtain evidence from third parties such as income tax returns, medical reports and Centrelink claim files. We may ask you to visit your doctor to complete a claim certificate.
  5. We review and submit your claim When all supporting evidence has been obtained, we will prepare detailed legal submissions in support of your claim. We will complete all of the claim forms and submit your claim.
  6. Independent medical examination This isn’t always necessary, but if it is, we will organise everything for you.
  7. Your case is successfully resolved

    We will ensure you receive your funds as quickly as possible.

    In the unlikely event that your claim is declined, your lawyer will review your claim and talk to you about further action you can take.

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