Get Free Consultation
Death Benefit and
Income Protection Claims
At Monaco Compensation Lawyers (MCL) we have a team of highly trained lawyers specialising in insurance, TPD and superannuation claims.
Specialty services our lawyers can help you with include:
Most superannuation funds have benefits attached to them to protect you and your family if you are unable to work due to injury or illness. Obtaining access to these valuable benefits can be a complex process, and many people are not even aware these benefits are available. At MCL, we have a team of expert lawyers specialising in Insurance & Superannuation Law who will help you access your entitlements simply and successfully.
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 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?
If you are unable to work due to injury or illness, there are many different types of insurance related claims available through your superannuation fund or personal insurance. Sometimes it can be hard to know where to start and insurance companies are not always forthcoming with assistance, so at MCL we offer an Initial Free Consultation with our superannuation and insurance legal experts to help you work out exactly where you stand.
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 for.
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 that you are receiving medical care.
What is a Life Insurance or Death Benefit claim?
All super funds in Australia offer 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. You need to demonstrate a close or interdependent relationship to your loved one. These benefits are designed to ease the burden of financial strife at this difficult time.
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 so contact us today to find out exactly what disability insurance (or insurances) you are entitled to.
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 are ways to dispute their decision. 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.
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 to get yourself and your family through, 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 upfront 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, we have helped thousands of Australians to access their benefits.
We have a reputation in the industry for being tough, experienced and well-prepared which means that the insurance companies are held accountable and more likely to pay 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.
We also have experience on the other side of matters. Almost all of our claims team worked for insurance companies prior to working at MCL, 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:
- About us
- Hear what some of our clients say
- History of MCL
- Read about the expertise of our lawyers
- Our No Win No Fee Guarantee
To speak directly to one of our lawyers regarding your superannuation or disability claim, contact us today.