Superannuation and Life Insurance Claims

Injured or too ill to work? Find out if you can claim a range of benefits through your super or insurance.

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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.

Do I have a TPD claim?

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

TPD, or Total and Permanent Disability, is a lump sum payment you claim from your super fund or insurance policy. It’s in addition to your super contributions. You don’t have to be completely disabled, or prove that someone was at fault to make a successful claim. Just that you can no longer do your normal work.

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, which will provide you with wage replacement until you are better.

You don’t have to show that someone was at fault, just that you can’t 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 super funds 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.

How long will my claim take?

This all depends on your insurer, the benefit amount and the complexities of your claim, but you could have your claim accepted in less than 4 weeks.

Generally, claims take between 6 - 12 months. Our team have developed stream-lined procedures so your claim will be fast tracked.

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

If the insurer has rejected your claim, we are happy to provide a free second opinion on your prospects of challenging the decision.

Rest assured, there are ways to dispute their decision. To successfully dispute decisions, our lawyers consider alternative dispute methods including requests for internal review, as well as complaints to the Ombudsman or Complaint Authority.

Our solicitors have a track record of successfully challenging and overturning thousands of claims.

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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, so you get everything you are entitled to.

As well as considering your Superannuation Claim, our legal team will fully consider your legal position and look into other benefits and entitlements you may have. The result – comprehensive legal advice about where you stand and what claims you may bring in addition to your super claim.

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Award-Winning Lawyers

In 2020, we were awarded “Superannuation Law Firm of the Year (GMB Awards) and Australian Compensation Law Firm of the Year 2020 (GLE Awards). Be confident your Superannuation claim is in expert hands.

Superannuation & Insurance Specialists

We have a large team dealing exclusively with Superannuation & Insurance claims, headed up by Accredited Specialists, who know Superannuation Law inside and out. This means, no matter how complex your claim, we have the expertise to handle it successfully.

We Maximise Your Superannuation Payout

Don’t let the insurance companies pay you less than your claim is worth. Know that all of our lawyers make it their business to get you maximum entitlements.

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.

27 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 during 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 through from start to finish. We handle everything, so you can focus on your recovery.

  1. You get in touch for your free initial consultation One of our lawyers will speak to you and get the details we need to start investigating your policy. It’s most likely that this lawyer will see your claim through to its successful completion.
  2. We investigate your policy Your lawyer will get all the details of all your super funds and insurances, and the documents necessary to lodge a claim.
  3. We advise you of all 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. We will also let you know if you have other claims available to you.
  4. Your lawyer obtains evidence in support of your claim. We will get medical and other evidence in support of your claim including medical reports and certificates and ensure that the evidence responds to the specific definition of incapacity as described in the insurance policy documents.
  5. We will submit your claim Once these documents are obtained your lawyer will review them and prepare detailed legal submissions to the fund in support your claim. We will also complete all claim forms on your behalf and send them to the fund together with submissions and evidence.
  6. You might need to attend an independent medical examination If you do, you’ll be asked about the history of your injury or condition. This will include questions about your work history and previous medical history. If you need an interpreter, we organise this for you.
  7. Your case is successfully resolved

    You tell your lawyer how you want to receive your benefit and we make sure that you get the funds as soon as possible.

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

Find out where you stand free of charge

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