If you can no longer work due to illness or disability, and you have superannuation, your superannuation fund may have insured you for Total and permanent disability (TPD) or income protection. In many cases, your fund may have insured you for both TPD and income protection.

This insurance cover is additional to your superannuation account balance. Sometimes, it’s worth hundreds of thousands of dollars.

If you want to find out whether your superannuation fund has TPD insurance, income protection insurance, or both, contact us for a free consultation.

If you have had different employers during your working life, you may have various superannuation funds. This is common if your employers use preferred funds, such as industry super funds.

If you have any superannuation funds that provide insurance cover, you may be able to claim under each fund.

When you choose us as your superannuation lawyer, we will investigate whether you can claim under each (or any) of your superannuation funds. Then we get the claim process underway. Many of our clients have claimed from major superannuation funds, including:

• HostPlus TPD Claims
• SunSuper TPD Claims
• AustralianSuper TPD Claims
• AMP Super TPD Claims
• Rest Super TPD Claims
• OnePath TPD Claims

Contact us to learn more about how we can help you.

Sometimes, an insurer rejects a TPD superannuation claim. There are many reasons why this may happen. Our processes help to reduce the chances of rejection. For example, we:

• Take detailed instructions from you about your claim and the circumstances surrounding your injury or disability
• Thoroughly consider and analyse all the information
• Apply the law to the information
• Use our experience to assess how the insurer may deal with your claim
• Discuss the issues and challenges with you at every stage of the process

If the insurer rejects your claim, we know that the idea of challenging the decision may feel overwhelming. But we know from our decades of experience that often insurers rely on claimants feeling this way, which means that these decisions are often not challenged.

We’re experienced in handling rejected claims and challenging insurer’s decisions. If an insurer rejects your claim, get in touch with us to find out how we can help.

If you have extra private insurance for TPD that isn’t part of your superannuation policy, we can help you:

• Claim under that policy; and
• Manage any other claims under your superannuation policy

Private insurance claims are sometimes known as retail claims.

While many other law firms use legal assistants as the main contact for their clients, we do things differently. As our client, your lawyer will be the main point of contact for your case from beginning to end. Our legal assistants provide invaluable support to our lawyers in managing and organising each case’s progress.