Superannuation
& Disability Claims

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 :

• Total and Permanent Disability Claims
• Income Protection Claims (also known as Salary Continuance or Total & Temporary Disablement),
• Life Insurance or Death Benefit claims

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.

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

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.

Read 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.

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.

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.

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.

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.

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.

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.

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.