FAQs - your questions answered
You can lodge a superannuation claim as soon as you stop work. This means you can:
- claim super insurance benefits when you are not working but are yet to retire, and
- claim your super as a lump sum or in instalments once you have retired.
Yes, you can have multiple total and permanent disability (TPD) claims.
For disability benefits claims you need a claim form, medical reports that support the claim, relevant documents from medical and other authorities, relevant tax records and written submissions. It is really important to get help with a claim.
For death benefits claims, you need a claim form and any papers showing your relationship to the deceased and any financial dependants.
Yes, but usually only one or two.
Your TPD claim will probably stop but you might still be eligible for partial disability payments.
Any dependants of the deceased or their estate can claim super death benefits. This includes a legally married spouse, de facto partner (including same-sex partner), children, financial dependants and inter-dependants.
Death benefits can be claimed by the super policy holder before they die if two doctors certify that the person suffers from a terminal illness and has less than one year to live.
If you want to contest super death benefits, it is important to contact a lawyer immediately.
Yes, but do it immediately because there is usually a 28 day time limit. You can lodge an internal complaint and the trustee has 90 days to make a decision. Get legal help.
Yes. You can appeal to the Superannuation Complaints Tribunal but there is usually a 28 day time limit. Get legal help.