Off work for a medical reason?
Insurance or Super claim rejected?
When you are unable to work because of injury, ill health or if you suffered a disability you may be able to claim or access your superannuation early. Superannuation, Disability & Insurance compensation claims can be confusing, complicated and superannuation & insurance companies can sometimes be difficult to deal with if you are not familiar with the process. Super Claims Australia is here to help you with your claims. Call us on 13 43 63 for an obligation free advice.
Below are the types of claims you may be entitled to if you are unable to work because of an injury or illness.
Total and Permanent Disability (TPD) Claims
When you are injured or ill and unable to work or enjoy your usual daily activities, you may have insurance coverage that you are not aware of through your superannuation.
Importantly TPD does not mean “never work again”. If you are able to retrain into some other area and continue working in the future then you may still have a claim. TPD insurance can be attached to your superannuation, mortgage or other loan insurance. You may also have other occupational specific cover. For example in the building, construction or contract cleaning industries, portable long service leave can be claimed in the event of TPD. It provides financial benefits to those who are no longer able to work in their usual occupation due to mental or physical disability or ill health.
Your disability does not need to be caused by work.
Super Claims Australia can help you with all your TPD claims. Call us on 13 43 63 today!
Income Protection & Total and Temporary Disablement (TTD) Claims
If you have temporarily become unable to work due to a disability or illness, you may have a claim. Salary continuance or income protection benefits provide financial support to those unable to work, in the form of either lump-sum or ongoing payments.
If you are only able to return to work on reduced hours you may also be able to claim the difference between what you are now earning and what you would have earned had you not been injured or ill.
To qualify for income protection you will need to provide evidence of your illness or disability. Your disability does not need to be caused by work.
Super Claims Australia can help you with all your TTD claims. Call us on 13 43 63 today!
Read more to see if you qualify.
Life Insurance or Death Benefit Claims
All super funds in Australia offer benefits in the event of a loved one’s death. If you were a spouse, child, legal personal representative or financially dependent on someone who has passed away, you may be entitled to their super contributions and connected insurance benefits. These benefits are designed to ease the burden of financial strife at this difficult time.
It is recommended that you act to retrieve these benefits as quickly as possible, with the help of a qualified solicitor, to ensure the super fund pays all relevant entitlements.
It is possible for super fund members to nominate the beneficiary to whom a payment should be made, however some binding nominations can be disputed.
Read more on how you can claim Life Insurance or Death Benefit.
Disability Claims Litigation
Disputes arising from disability claims can include:
- Claims rejected by an insurer and/or the super fund trustees.
- Decisions not made by an insurer and/or the super fund trustees.
- A super fund trustee’s failure to take out insurance coverage by a super fund trustee.
- Loss of insurance coverage due failure by an employer to make superannuation contributions.
- Negligent insurance advice received from a financial advisor or other professional.
Your rights can be enforced against an insurer, super fund trustee or other party in court. In court proceedings you can also claim interest on the benefits that you should have been paid, as well as a contribution towards your legal costs if you are successful.
Read more on how you can dispute, contest or challenge a rejected claim.
Find out how Super Claims Australia can help you
We can help you claim for Superannuation and Disability benefits. If your claim has been rejected by your superannuation or insurance you may be able to contest, challenge or dispute the decision.
Call us 13 43 63 for a free, confidential discussion.