Our Australian superannuation insurance claim lawyers provide legal advice when you can’t work due to a physical injury, illness or mental health condition. In this case, you could be eligible to claim insurance benefits through a superannuation fund or a stand-alone insurance policy.
Splatt’s compensation lawyers provide legal services for disability insurance entitlements on a 100% no-win, no-fee basis. Our insurance lawyers offer free initial advice when dealing with an insurance provider for claims or insurance disputes.
Pay with fixed or capped pricing when you win, and zero if you lose. It’s free to know your options. Call 1800 700 125
You could be eligible to seek compensation when:
Splatt’s Australian compensation lawyers provide a free case assessment about your eligibility and next steps. Call 1800 700 125
Expert insurance lawyers explain the legal process and what you must prove for a successful outcome.
Eligibility to claim insurance benefits through a super fund depends on the scope of the insurance coverage included in a superannuation account. However, most Australians have coverage for the following:
When you can’t work in your usual job anymore, you could be eligible to claim disability insurance benefits.
When you temporarily cannot work, you could access TTD insurance benefits and receive a monthly income payment.
Trauma insurance benefits provide cover when diagnosed with a critical illness or injury.
When you are diagnosed with a terminal illness, you could qualify for an early life insurance claim.
When a loved one passes, you could qualify to claim death benefits through a life insurance policy.
You could be eligible to claim lump sum compensation for physical or psychological whole-person impairment.
Learn your entitlements
Splatt Lawyers provide 100% No Win, No Fee legal services for insurance claims. Our no-win, no-fee, no-financial-risk guarantee means the following:
Our compensation lawyers offer capped or fixed fees for insurance legal claims. We can provide a fee estimate during a free case review. Call 1800 700 125
Superannuation is a compulsory Australian government retirement savings scheme to assist everyday workers with retirement planning. Consequently, your employer must contribute to a superannuation fund on your behalf. In addition, workers can choose to make additional contributions to their superannuation accounts.
As a super fund member, you typically have various insurance policies included for disability, illness, and death to provide financial assistance when you can’t work.
If you are like most other working Aussies, you will have multiple superannuation insurance policies that protect you for unforeseen events. Depending on your coverage, you could be eligible for a:
Some Australians have contributed to several super accounts and can be eligible to make a claim against each policy.
When you can’t do your usual job anymore because you are either physically or mentally injured or ill, you could be eligible to claim insurance benefits. How you acquired your medical condition does not matter. But you could meet the conditions of a super insurance policy when you have:
There are several reasons why insurance companies deny claims, including:
NOTE: Not all exclusion clauses are valid. An expert insurance lawyer can investigate the claim outcome details and advise on your rights.
If you have a rejected insurance claim, experienced compensation lawyers can advise on steps to reverse the insurer’s decision. Typically, the insurance company will issue a pro forma letter for a rejected claim, allowing you to start the dispute resolution process.
Please don’t stress when an insurer disputes insurance claims. In this situation, an expert insurance lawyer can:
Splatt Lawyers provides 100% no-win, no-fee insurance litigation advice against all major Australian insurance companies.
During a free case review, an insurance claim lawyer will examine the facts of your case and advise on your eligibility to claim insurance payout benefits. Our insurance lawyers advise:
Our lawyers and solicitors provide a free initial consulation Australia-wide. Call 1800 700 125
Regardless of how you acquired a sickness, injury, or mental health problem, you could be eligible to make a claim. People who receive NDIS funds or a disability pension could already have a case. You could also be eligible if you:
When you have an accepted disability insurance claim, your benefits could be paid in several ways, depending on your insurance. These include:
Funds for a disability insurance settlement are not taken from a superannuation account. Consequently, an approved payout will not reduce your current super balance. Instead, compensation is taken from an insurance policy contained within a superannuation fund.
Every superannuation insurance claim differs, varying between superannuation funds and insurance contracts. However, some steps are the same for each legal case.
Our superannuation claim solicitors offer a free case review that explains your rights and entitlements.
During a free case assessment, a Splatt insurance claim lawyer will find your insurance policies and review the terms and conditions.
Next, you need compelling evidence to prove your case, such as medical and taxation records, WorkCover files, and Centrelink data.
If necessary, you will have an independent medical assessment. Splatt Lawyers covers this expense until settlement. But it's free if you lose.
Lodge legal documents and the claim form with the superannuation fund insurer.
When you have a successful claim, the insurer will deposit funds into your superannuation account. You can withdraw these funds immediately or keep them for retirement. If your claim is rejected, a lawyer or solicitor can advise on overturning the decision.
Splatt Lawyers can provide Australia-wide legal advice for injury insurance claims. We can explain your eligibility for insurance payout benefits and offer the following support:
Superannuation funds and insurance companies primarily focus on shareholder profits, which makes it more challenging for members to receive their full entitlements. Our compensation lawyers understand their techniques for reducing benefit payouts.
Splatt Lawyers provides 100% no-win, no-fee legal services. It’s free to know where you stand and your options. Call 1800 700 125 or email us >
Our insurance claims lawyers provide legal insights from ten locations in Queensland and Australia-wide.
If you’ve been injured or ill and unable to work for three months due to a medical condition or accident. In that case, you may be able to access compensation under:
To qualify for a payment, you must meet specific criteria. Splatt Lawyers provide free advice regarding your eligibility.
The value of a benefit will vary depending on your medical condition and superannuation insurance policy terms and conditions. However, most insurance policies are designed to provide some financial assistance during illness or injury. This support could be a lump-sum payment or a monthly benefit.
If you cannot work anymore due to your physical or mental health condition, you might be eligible for a:
If you have an insurance claim rejection, you can take steps to appeal the decision. First, seek legal advice from specialist superannuation lawyers. They regularly deal with large insurance companies, and they can explain the legal process and your options.
NOTE: Strict time limits apply to challenging denied claims.
The General Insurance Code of Practice, which includes provisions for managing claims, is binding on Australian insurers. Despite this, there are no legislative time frames for making a decision on a superannuation insurance claim. In Australia, these types of cases generally settle within a period of several months to 18 months.
Superannuation insurance policy conditions will outline the time limit for lodging a super insurance claim. In general, you must submit your case as soon as possible after you stop working due to an illness or disability. However, in most cases, you can submit a claim years after you stop working.
Be aware that there are strict time limits for disputing a rejected insurance claim. An insurance claim lawyer can advise on the time constraints.
Waiting periods can apply before you lodge a claim with a superannuation provider. The time frame for filing super insurance claims may differ depending on the types of insurance and the nature of your injury or illness.
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Our Queensland lawyers advise on your rights. Splatt Lawyers offers a free initial consultation regarding your eligibility and entitlements.
