Superannuation and Life Insurance Claims

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.

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.

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.

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.

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.

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.

We offer a No Win, No Fee guarantee, which means it costs you nothing if your claim is not successful.

We offer a fixed fee for our work, so you know exactly how much it will cost from the start. We will always let you know our fixed legal costs upfront before we begin work on your claim and there will be no hidden or unexpected costs.

Our professional costs vary depending on the complexity of your claim. However, they will never be disproportionate to the amount of your benefit.

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.