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If you have an illness, injury or psychological disorder and can’t work, you could have one or more personal insurance claims through your super.
You can receive a lump sum payout of your insurance benefits when you have a successful TPD claim and/or access income protection payments.
Based on our qualified insurance lawyers’ knowledge of compensation law, we can estimate the outcome you could expect and explain any factors that might impact the result.
Splatt Lawyers estimates your insurance entitlements by using our online tool.
Splatt Lawyers can provide free legal advice regarding your entitlements. Call 1800 700 125.
In Queensland, you can claim insurance benefits through a super fund when another person or party physically or mentally harms you. Unlike a personal injury claim, you do not need to prove who was at fault. An insurance company is usually liable to fund your compensation payout. The type of claim depends on your circumstances.
When you have a successful personal insurance claim, the insurer pays lump-sum benefits into your super account. You can then withdraw these funds to pay for medical expenses, home care costs, rent or mortgage payments, etc.
Splatt Lawyers will fund your insurance claim on a 100% No Win, No Fee basis, which means you pay our fees and costs when you win and zero if you lose – including the cost of any medical or expert reports needed to create a compelling case to achieve an insurance payout!
Our No Win, No Fee, No Risk guarantee means that:
The value of a personal insurance claim payout relies on various factors. First, you must understand that all insurance claim payouts are unique, and the circumstances of your case will, in part, determine the value of a lump sum payment (as well as the terms and conditions of the super insurance policy).
Some common accidents and claim types associated with personal insurance claims include:
Other influences on the value of a lump sum payout include:
Our qualified legal team can provide legal advice, including your claim eligibility and estimated insurance payout value. Call: 1800 700 125.
The value of a negligence compensation payout is determined using ‘heads of damages”, which assesses the evidence against each claimable component. These can be divided into two categories: general damages (or economic damages) and non-economic damages. How much compensation you receive relies on these factors.
Economic damages are material losses that have a financial value. This type of compensation is calculated using the injured person’s actual expenses, such as medical treatment costs, lost income, travel expenses, and property damage.
A damages payout aims to reimburse medical expenses such as hospital fees, ambulance costs, medication, surgical costs, rehabilitation expenses, and future medical needs.
Includes compensation for wages lost due to your condition. In some circumstances, the claimant may be eligible for a lump sum permanent impairment payout when the damage leads to a long-term disability that stops them from working. An approved personal injury claim can also include damages for estimated future income.
An insurance damages payout can include legitimate home care costs and other out-of-pocket expenses, including care provided by your family and others.
Travel costs related to medical treatment are included in a successful personal injury payout.
Relates to personal property, like a damaged motor vehicle. The expense of repairing or replacing the damaged property is considered when calculating compensation payouts. (Note: you typically do not need a lawyer for property damage claims.)
Non-economic damages are perceived losses that are challenging to value financially. These include mental anguish, lost enjoyment of life, pain and suffering, and lost companionship. Calculating the value of non-economic damages is more subjective compared to economic losses.
Pain and suffering compensation relates to the claimant’s immediate and long-term emotional suffering as a result of the accident. Pain and suffering claims aim to ease the injured person’s distress and reduce its impact on their life.
Use our pain and suffering calculator now to learn how much compensation you could receive.
Refers to losing the capacity to participate in pastimes and interests enjoyed before the accident. When the claimant has reduced capacity for these activities, compensation may improve their quality of life.
Considers the emotional impacts of the accident, like depression, anxiety, post-traumatic stress disorder (PTSD), and other psychological ailments related to the injury. Compensation for emotional distress recognises the effect of the accident on mental health.
This is compensation granted to the claimant’s domestic partner. It makes up for what the injury or illness has removed regarding love, companionship, and the capacity to maintain a typical relationship.
Use our compensation payout calculator to learn the value of your insurance benefits.
Answer a few questions using our free assessment tool. Alternatively, Splatt Lawyers provides a free case review by phone. Call: 1800 700 125
(note: in some cases, our partner law firm could manage your legal matter)
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Our Queensland lawyers advise on your rights. Splatt Lawyers offers a free initial consultation regarding your eligibility and entitlements.
