page_image_superMost Australians have at least one and maybe many superannuation or insurance policies. Most people have a range of policy cover such as employment superannuation, total and permanent disability (TPD) or death benefits or life insurance, income protection, travel insurance or home and contents insurance.

But superannuation can be not straight forward, difficult to understand, making a claim difficult to comprehend.

Relevant policy documents can be 30 to 50 pages long or more and full of fine print. Your chances of winning a claim can depend on when you make a claim and what information and documents you provide.

So, it is really important you know your rights before you claim or before something goes wrong.

We have experience in dealing with superannuation and insurance claims in Australia. For further information, please contact us.

What is Super?

Superannuation is a retirement fund to which regular contributions are made from a person’s salary whilst they are in employment. Employers pay significant contributions at the rate of 9% per annum as long as the employee is earning at least $450 a month. A large majority of these funds have lump sum disability and death benefits and many people are not aware that they may claim compensation from them in the case of a partial and/or total permanent impairment or injury.

The general definition that entitles you to a superannuation lump sum benefit is “that you are partially and/or totally permanently disabled and unfit for your old job or any other suitable job that relates to your education training and experience”.
If you are no longer able to work and no longer able to perform all duties of your usual occupation full time, you might be able to claim a lump sum benefit for your total permanent disability in addition to workers compensation or weekly or monthly superannuation payments being paid to you already. For further information please contact us.

How can you claim?

You might be able to claim superannuation and insurance disability payments and death benefits if:

  • You have been working and your employer was paying compulsory superannuation
  • You have been suffering from any injury or illness that has prevented you from working for 6 consecutive months (including a total permanent disability)
  • You have entered into a private contract of insurance for income protection or total permanent disability insurance
  • A person that you are dependent on (like your partner or parent) died and you wish to claim death benefits from the deceased superannuation fund or private insurer
  • You are under 60 or 65 years of age (this depends on your policy).

Following the difficult time of a death or disability within your family superannuation and disability insurance benefits may help to ease your financial burden. Individual policies do vary in matters of the level of coverage, the waiting period, and the length of time benefits are payable in.

How we help

We can ensure that you get the best result possible.

We can help to:

  • Undertake all investigations to determine the superannuation or total permanent disability benefits that are available to you;
  • Plan how your case will proceed in order to achieve the best outcome;
  • Gather the evidence needed for the superannuation or total permanent disability claim (such as from your doctor);
  • Keep you informed of important developments as the case proceeds;
  • Make an initial assessment of your superannuation or total permanent disability claim;
  • Assist you in dealing with powerful opponents such as insurance companies;
  • Investigate the possibility of resolving your superannuation or total permanent disability claim; and
  • Make recommendations on court proceedings and settlement offers.

An experienced lawyer can take the stress out of your hands, whilst still keeping you in the loop about your superannuation or total permanent disability case. Contact us for further information or to make a claim.